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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.
If a claim happens: benefit amounts in New Mexico
Max TTD weekly benefit as of Jan 1, 2025 (IAIABC/WCRI Workers' Compensation Laws 2025 compendium, Table A.1). Annual-adjustment states have since raised 2025-2026 rates — verify before launch Medical: See state agency — benefit structure varies. Death: see state agency. Rate cycle: adjusts 01/01 each year. All states' benefit rates →
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