Multi State Workers' Compensation Insurance

A business may need state specific workers' compensation coverage when employees live or do any work across state lines.

Multi-state workers compensation insurance policy.

Do all states have workers' comp?

All states have their own rules regarding when coverage is required and whether or not the state needs to be named on the policy. If you have employees that live in another state or perform any work in another state, you may need to add that state to your current policy under section 3A. In some cases a business may need to buy a separate policy if their current carrier is not authorized to provide coverage in the other state. Agencies are also required to be licensed to sell workers' compensation individually by each state.

Multi-State Coverage Questions? Call 888-611-7467 for a Workers' Compensation Specialist

Workers Compensation Across State Lines

Workers Compensation Guidelines for Employers

The workers compensation insurance system in the United States is governed by the individual states. Each state has their own way of going about administering the system within their state. This includes setting the rules, laws, rates, and requirements for all businesses that operate within each states' borders. Most states require all businesses to carry some form of Workers Compensation Coverage. Each state has certain exclusions or exemptions for certain businesses depending upon the size of the business, the industry the business operates in, and the way the business is structured or organized.

Its a good idea to check with the proper governing body in your state or to partner with an experienced national independent insurance agent with expertise in workers comp regulations to make sure you are following the state laws where your business operates or your employees live.

Because workers' comp coverage is state specific, it can be more challenging for business owners to find out-of-state workers compensation coverage when they have employees that work out of state or travel to multiple states as part of their job duties.

Finding Workers' Compensation in Multiple States

Our Specialists can help your business navigate state rules and determine when and why workers compensation coverage will be needed by your business. Our agency can assist with temporary workers comp coverage and help manage claims if an employee is injured in another state. We work with the best national and regional insurance companies that write multi-state and multi-line insurance throughout the United States.

Workers Compensation Shop.com is an independent agency that offers workers' compensation insurance coverage in all States that are not monopolistic. Some agencies may be able to help you in one state or a select group of states. Most agencies can't afford the expensive state licensing requirements under each state's insurance laws. Our knowledgeable staff expertise to manage multi-state workers' compensation coverage effectively.

We've established strong relationships with more than 50 insurance companies throughout the United States. We offer more solutions from more carriers to make sure we deliver the lowest cost of coverage to your business. Since 2005, Workers Compensation Shop.com has been actively quoting coverage in all states. That's why our agents are able to find your business the most comprehensive coverage at rock bottom prices on other state and multi-state workers compensation coverage

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Coast to Coast Insurance Coverage

Its not easy managing employees and business logistics in multiple states. Rules an regulations often vary, creating numerous challenges for business owners. When it comes to multi-state workers compensation insurance, we've got you covered. Find out how we can help you purchase one or more policies to cover your employees in multiple states throughout the country.

All States Workman's Compensation Solution

When buying workers compensation across state lines, it is important to partner with an independent insurance agency who has adequate knowledge and expertise about the workers’ compensation systems in multiple states. Because of the unique nature of the economies in each state, administration of the workers compensation insurance systems has been left up to the states instead of the federal government.

The needs of businesses and workers are drastically different from a rural state like Alaska or South Dakota compared to a populous state like New York or California. Also, the weather can make the economy in a state like Idaho or Vermont dramatically different than the economy in a state like New Mexico or Florida. All of these differences in the economy make for a better system governed by the states as opposed to one system governed by the federal government.

National agencies who have experience assisting employers in multiple states can offer the best national or multi-state workers compensation solutions for your unique business. Workers Compensation Shop.com is one of the few agencies that are specifically a workers compensation broker licensed in all states. Although our agents are located in one location, they consult with business owners in all 50 states and they interact with insurance carriers who focus on workers' compensation insurance the covers all states.

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Nationwide Workers Comp

Workers Compensation Shop.com helps employers buy workmans comp for one single state or for multiple states. We are a national workers' compensation insurance agency licensed in all states. Their are only a handful if carriers licensed and operating in all 50 states. We work with most of these carriers.


Trying to find workmans comp for multiple states can be a tough task for a small to medium business owner. This is because the rules and regulations for the workers’ compensation system is governed by the states. When a business operates in a number of states, it can be difficult to determine which laws to follow. A business may end up needing workers comp for multiple states when the business is located somewhere like Kansas City where the border between Missouri and Kansas runs directly through the middle of the city. It can also occur for a business that has locations in two or more states. A Business may also need multi state workers comp coverage when the businesses has employees living in many states throughout the country.


At Workers Compensation Shop.com, our agents are experts at helping small businesses find coverage for employees in two or more states. We have national relationships with more than 40 workers' comp carriers. Through this network of carriers, our agents can find coverage for most classification codes in all 50 states. A majority of our competition only quotes coverage in a few markets or a select region of the country. Through our established relationships, we are able to find you more options at better prices.


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Out-of-State Coverage?

Temporary Workers' Comp

Temporary workers' employed by a business in amy state are eligible for work comp coverage. In most cases, a business is legally required to provide coverage for temporary workers.

If a business hires temp workers from a staffing agency then the agency is most likely providing workers comp coverage because they would generally be considered the Employer of record.

Some states do have state laws that allow certain other states to have temporary employees performing work in their state but often its unclear as to how they define temporary. Other states, like New York and several others, require that the state be listed on the policy under Section 3A prior to any employee doing any work in the state.

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Comp Rates
Compare multiple work comp quotes today to see if your business qualifies for better insurance rates and a lower workers comp premium.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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