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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 states, 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.


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.

Your business is unique. As local business owners ourselves, we understand the challenges you face on a daily basis, and we are here to help smooth the way. We offer a full range of business insurance and work diligently to establish a business insurance strategy that truly makes sense for your operation. You deserve the highest level of service, and we are here to help. Call to find out more or to speak with one of our qualified agents to review your current policies and seek out business insurance at a lower rate with better coverage.

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