Question 1

Do we need a separate workers' comp policy in each state where we have employees?

Accepted Answer

Often yes. Most states require a state-admitted policy or endorsement, and the four monopolistic states require coverage through the state fund. We coordinate the structure so the right policies are in place as you hire across jurisdictions.

Question 2

How do we handle remote employees for workers' comp?

Accepted Answer

Coverage typically follows the state where the employee performs the work, not where the employer is located. We update the policy schedule each time a new state is added so coverage is in place from day one of employment.

Question 3

What is a third-party-over action?

Accepted Answer

An injured employee sues a third party (a vendor, a customer, a property owner), and the third party then sues the employer for contribution. Workers' Comp's exclusive remedy doesn't bar the third-party claim; Employer's Liability defends it.

Question 4

Can we use a PEO instead of a direct workers' comp policy?

Accepted Answer

Yes — PEOs and ASOs both provide options. We help compare PEO economics against direct placement, especially as headcount, mod, and class-code mix mature.

Workers' Compensation — multi-state, remote, and growing teams.