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Check your policy. On the declarations page, under "States" and "Other States" you will see the states you have coverage in. Usually, if your exposure out of state is very short term and not regular, you won't have an issue. However, the only way to be certain is to report your other state exposure and ask that under "Other States" you either have specific states listed or a statement like "All except monopolistic." The declarations page is the one with your name, address, effective dates, coverage and premium. Monopolistic states require that you purchase Workers Comp (WC) insurance from them - so your WC carrier will not be able to list those states.

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16y ago

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In Pennsylvania does an owner operator with no employees need worker's comp insurance?

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