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Unfortunately, under current laws, you cannot find one insurance carrier that can sell workers' compensation insurance in all 50 states. This is because five states (Ohio, West Virginia, North Dakota, Wyoming, and Washington) have monopolistic state funds. In these states, employers must buy their workers' compensation insurance directly from a fund that is run by the state government, and private insurance companies are not allowed to compete and sell insurance. Therefore, the maximum number of states in which any private insurance carrier could possibly sell workers' compensation insurance is 45.

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Q: Where can I find an insurance provider who provides workers comp for all 50 states?
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