Term Of The Day – Other States Coverage
Workers Compensation insurance can be very tricky when it comes to other or all states coverage. Many employers such as trucking/transportation companies are in dire need of having other states coverage for their drivers. Workers Comp used to be written on an all states coverage basis if requested. Insurance carriers now require listing any/all jurisdictions in Section 3 of the policy.
2021 – Update
Trucking and transportation companies need to have insurance for any state their drivers pass through on their routes. Why? Because we have seen over the last few years where the accident location state allows the injured employee to claim benefits for that state.
Having coverage for just the jurisdictions where terminals are located may cause your carrier to deny coverage as there was no listing in the Dec page for that jurisdiction. The Walsh rule may not apply in all states.
It is recommended reading once you receive your Workers Compensation policy. An employee will be covered under the Workers Comp policy for only those states specifically spelled out in the policy (Section 3C). If the state is not listed, then there is no coverage.