--- title: Multi-state Firms' Work Comp description: Workers’ compensation coverage for multi-state firms can be complex. Learn how to navigate coverage across different states and work with the right broker for your needs. image: https://education.veritasrm.com/hubfs/pexels-fauxels-3184429.jpg --- [Skip to the main content.](https://education.veritasrm.com/multi-state-firms-work-comp#main-content) [![Veritas Insurance](https://education.veritasrm.com/hs-fs/hubfs/Screenshot_2022-07-27_161347-removebg-preview.png?width=679&height=124&name=Screenshot_2022-07-27_161347-removebg-preview.png "Veritas Insurance")](https://veritasrm.com/) [![Veritas Insurance](https://education.veritasrm.com/hs-fs/hubfs/veritasrm-1.png?width=1000&height=145&name=veritasrm-1.png "Veritas Insurance")](https://veritasrm.com/) - Get Insurance - [Business Insurance](https://veritasrm.com/insure-your-business/) - [Types of Coverage](https://veritasrm.com/insure-your-business/business-insurance/) - [Personal Insurance](https://veritasrm.com/personal/) - About Us - [Companies We Represent](https://veritasrm.com/companies-we-represent/) - [Contact Us](https://veritasrm.com/contact-us/) - [Meet Our Team](https://veritasrm.com/meet-our-team/) - [Andrew Darlington](https://veritasrm.com/andrew-darlington/) - [Tammy Collins](https://veritasrm.com/tammy-collins/) - [Regina Davis](https://veritasrm.com/regina-davis/) - [Jennifer Plaisted](https://veritasrm.com/jennifer-plaisted/) - [Tony Dale](https://veritasrm.com/tony-dale/) - [Jonathan Lugo](https://veritasrm.com/jonathan-lugo/) - [Laryn Hurley](https://veritasrm.com/laryn-hurley/) - [Sheri Taylor](https://veritasrm.com/sheri-taylor/) - [Lynn Hodge](https://veritasrm.com/lynn-hodge/) - [Heather Trent](https://veritasrm.com/heather-trent/) - [Andy Warner](https://veritasrm.com/andy-warner/) - [Sarrah Rossi](https://veritasrm.com/sarrah-rossi/) - [Refer Us and Win](https://veritasrm.com/refer-us-and-win/) - [Blog](https://education.veritasrm.com) Search *Search* Toggle Menu Search *Search* Toggle Menu - Get Insurance *Toggle Menu* - [Business Insurance *Toggle Menu*](https://veritasrm.com/insure-your-business/) - [Types of Coverage](https://veritasrm.com/insure-your-business/business-insurance/) - [Personal Insurance](https://veritasrm.com/personal/) - About Us *Toggle Menu* - [Companies We Represent](https://veritasrm.com/companies-we-represent/) - [Contact Us](https://veritasrm.com/contact-us/) - [Meet Our Team *Toggle Menu*](https://veritasrm.com/meet-our-team/) - [Andrew Darlington](https://veritasrm.com/andrew-darlington/) - [Tammy Collins](https://veritasrm.com/tammy-collins/) - [Regina Davis](https://veritasrm.com/regina-davis/) - [Jennifer Plaisted](https://veritasrm.com/jennifer-plaisted/) - [Tony Dale](https://veritasrm.com/tony-dale/) - [Jonathan Lugo](https://veritasrm.com/jonathan-lugo/) - [Laryn Hurley](https://veritasrm.com/laryn-hurley/) - [Sheri Taylor](https://veritasrm.com/sheri-taylor/) - [Lynn Hodge](https://veritasrm.com/lynn-hodge/) - [Heather Trent](https://veritasrm.com/heather-trent/) - [Andy Warner](https://veritasrm.com/andy-warner/) - [Sarrah Rossi](https://veritasrm.com/sarrah-rossi/) - [Refer Us and Win](https://veritasrm.com/refer-us-and-win/) - [Blog](https://education.veritasrm.com) [*Facebook*](https://education.veritasrm.com/multi-state-firms-work-comp#0) [*Instagram*](https://education.veritasrm.com/multi-state-firms-work-comp#0) [*LinkedIn*](https://education.veritasrm.com/multi-state-firms-work-comp#0) [*Twitter*](https://education.veritasrm.com/multi-state-firms-work-comp#0) [*Youtube*](https://education.veritasrm.com/multi-state-firms-work-comp#0) [*Medium*](https://education.veritasrm.com/multi-state-firms-work-comp#0) 1 min read # Multi-state Firms' Work Comp [![Picture of Andrew Darlington](https://education.veritasrm.com/hubfs/DarlingtonFace.jpg) Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington) : July 26, 2024 at 10:31 AM [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) ![Multi-state Firms' Work Comp](https://education.veritasrm.com/hubfs/pexels-fauxels-3184429.jpg) ### Click Below and Listen To "Multi-state Firms' Work Comp" # Workers’ Compensation Coverage for Multi-State Firms   If you have locations or workers in multiple states, then your workers’ compensation coverage may be more complicated than you realize. Workers’ compensation coverage written in one state may not protect you if workers are injured in another. Though some policies cover multiple states, others limit coverage to the state where the policy was written. In addition, some states only allow claims to be covered by policies written within that state.   ## Work with the Right Broker Your workers’ compensation broker should have experience handling multi-state companies. In addition, your broker must be licensed in each of the states you do business in and should understand the nuances of each state’s workers’ compensation regulations. For example, North Dakota, Ohio, Washington, and Wyoming require workers’ compensation insurance to be purchased through their state programs. If you are based in one of those states, you’ll need a different coverage for any workers you have out of state. Or if you’re based somewhere else but have workers in any of those states, you’ll need to procure additional coverage through their state fund. Also, some states treat uninsured independent contractors or subcontractors the same as employees for workers’ compensation purposes, so your broker should understand the implications of those state laws as well.   ## Give your Broker the Facts Your broker can only help you if they know all the facts. Make sure to tell them: - The size of your workforce. - In which states do you have operations or workers? - If you employ independent contractors or subcontractors, and in which states? - Which state(s) your employees were hired in. If any of the above information changes, be sure to inform your broker immediately so that you remain covered in each state you do business in. ## Know your Rates Not all states calculate modifiers the same way, which can result in differing premium amounts in different states. Your broker should understand how each state you do business in calculates workers’ compensation premiums, so they can ensure that you will not be overcharged and that you have an accurate amount to budget for.   To learn more about workers’ compensation coverage for your multi-state firm, contact Veritas Risk Management & Insurance Services today.   - [Tweet](https://twitter.com/share) [![Longshore and Harbor Workers' Compensation Act Coverage](https://education.veritasrm.com/hubfs/Industrial%20port%20at%20dawn%20at%20the%20Port%20of%20Casablanca%2c%20Morocco..jpeg)](https://education.veritasrm.com/longshore-and-harbor-workers-compensation-act-coverage) #### [Longshore and Harbor Workers' Compensation Act Coverage](https://education.veritasrm.com/longshore-and-harbor-workers-compensation-act-coverage) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington) : July 17, 2024 at 10:26 AM Workers' Compensation Insurance is designed to ensure that injured or disabled employees hurt on the job are compensated and that their liability is... [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [Read More](https://education.veritasrm.com/longshore-and-harbor-workers-compensation-act-coverage) [![Assigned Risk Plans](https://education.veritasrm.com/hubfs/How-New-York-Modifiers-for-Workers-Comp-Rates-Are-Changing.jpg)](https://education.veritasrm.com/assigned-risk-plans) #### [Assigned Risk Plans](https://education.veritasrm.com/assigned-risk-plans) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington) : July 24, 2024 at 10:30 AM Workers’ compensation insurance not only helps employers cover costs related to employees becoming ill or getting injured on the job, it’s also... [Business Insights](https://education.veritasrm.com/tag/business-insights) [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [Read More](https://education.veritasrm.com/assigned-risk-plans) [![Tennessee Worker's Compensation: Employer Responsibilities](https://education.veritasrm.com/hubfs/Smiling%20group%20of%20co-workers%20standing%20in%20office.jpeg)](https://education.veritasrm.com/tennessee-workers-compensation-employer-responsibilities) #### [Tennessee Worker's Compensation: Employer Responsibilities](https://education.veritasrm.com/tennessee-workers-compensation-employer-responsibilities) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington) : October 28, 2024 at 5:40 PM Workers’ compensation is a system of no-fault insurance. Workers’ compensation insurance provides wage replacement and medical benefits to employees... 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