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New Mexico Workers' Compensation Requirements
At a glance
The details
3+ employees (WCA official FAQ); construction industry: ALL employers regardless of count. Out-of-state employers with any NM employee covered.
FAQ
Do I need workers' compensation in New Mexico?
Yes — once you regularly employ 3 or more employees (full or part-time), New Mexico requires workers' compensation coverage.
What about construction businesses in New Mexico?
Construction has a stricter threshold: coverage is required from 1 employee(s), versus 3 for general businesses.
What if I don't carry required coverage in New Mexico?
Penalties vary by state and can include per-employee per-day fines, stop-work orders, and personal liability for injury claims. Check the official source below for New Mexico's current enforcement posture.
Official source: NM Workers' Compensation Administration · Verified 2026-09-08 (official) · Compare all states · Construction rules · Farm rules