If you have employees on your payroll, the answer is yes in most cases. Usually, the minimum amount of coverage per employee is regulated by the state in which a business is based; a visit to your state’s Department of Labor Web site is a good way to find out how much coverage your business needs. Also, some states mandate disability insurance in addition to worker’s compensation insurance; many insurers offer package policies which combine the two. Keep in mind when choosing disability insurance that the least expensive policy is not always the best for you and your employees. It is best to examine policy wording carefully, and compare other policies before buying.