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All States Coverage...

If a business needs to provide workers compensation coverage for states other than the residence state of the business, other than their primary state where they are located and work, workers compensation policies can be amended to provide the coverage required.

For many years, this coverage was endorsed onto workers compensation policies by adding an "all states endorsement." An endorsement is no longer required to provide coverage in the states listed in the declaration. When the "all states" wording is used, automatic coverage will apply in all except the monopolistic fund states.

Monopolistic fund states require that workers compensation coverage be purchased from the state fund. Monopolistic fund states, with the exception of North Dakota, do not have a provision for providing an "all states" provision.

When all states coverage is choosen it will be noted on the workers comp policy declarations pages. So to verify that all states coverage exists on a specific policy just check the declarations page, it should be obvious.