We know workers’ compensation varies state by state, so what do you do if you have employees in multiple states (besides having a massive headache)? It’s imperative that your insured complies with each state’s regulations, or they could receive fines, violations and experience legal problems.

Multi-State Risks

How to Obtain Multi-State Coverage

Primary and Other States

To ensure your insured is covered, all states where work will be completed should be listed on the workers’ compensation policy. These states will be referred to as “primary” states on the policy. Any states not listed as primary states can be listed as “other states.” If a state is not listed either as a primary state or other state, the insured would not be covered in that state.

State Statutes

Of course, it’s not as simple as listing the states. The workers’ compensation policy must also cover each state’s statutes. When it comes to the states listed as other states, coverage is not automatic and is very often subjective. In some instances, a state may be required to be listed as a primary state before any work can be done there.

Claims

Beyond just having coverage, if a claim is filed, jurisdiction can also be tricky. As you can see, multi-state companies are risky to insure. There are so many individual details at play. With PEO Insurance Brokers Network, we help your insured navigate those details and take full advantage of each state’s programs. We will help your insured set up the best multi-state policy and review coverage needed in monopolistic states.

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