Re:Please Help Insurance Question!!!!!
Here it's a state requirement, with even one employee, and there are only one or two companies that provide it. Unfortunately, you are probably going to have to check requirements in each location.
Another option might be using a temporary employment agency in each location for help. I'm sure you could work out some type of contract where you either hire through them or have them add your help as employees so that their payroll goes through them. It will cost more per hour, but might be less in the end than having multiple insurance requirements.