Coverage when working out of state
Oregon workers’ compensation insurance plans provide benefits for injured Oregon workers. However, when workers are on a temporary assignment in another state and have an on-the-job injury, the Oregon insurance coverage may or may not apply.
If the state has a reciprocal agreement with Oregon, the worker receives the same benefits as if the injury occurred in Oregon. Some reciprocal agreements have restrictions for certain industries or situations.
When there is no such agreement, there is no coverage in place. The employer must buy an insurance policy specific to that state.
State-by-state coverage information is provided below. Reciprocity means that the state has a reciprocity agreement with Oregon and workers on temporary assignment in the state are covered. Extraterritorial provisions means that coverage from the state follows its workers in other states.
If your state does not reciprocate with Oregon, then extraterritorial provisions do not apply in Oregon.
If an Oregon employer opens a permanent location in another state and hires workers, that employer would always have to obtain coverage for that state.
Reciprocates
Industrial Commission of Arizona
Industrial Commission ALJ Division
800 W Washington St.
Phoenix, AZ 85007-2922
602-542-4661
Claims@azica.gov
http://www.ica.state.az.us/
Extraterritorial provisions: Yes
Duration: Six months
Reciprocity: Yes
Statute: A.R.S. § 23-904
Certificate filing: Not required
Arizona recognizes reciprocity when the other state recognizes reciprocity. See A.R.S. § 23-904 for more information.
Arkansas Workers' Compensation Commission
324 S Spring St.
P.O. Box 950
Little Rock, AR 72203-0950
800-622-4472 (toll-free)
501-682-3930
Info@awcc.state.ar.us
http://www.awcc.state.ar.us/index.html
Extraterritorial provisions: Yes
Reciprocity: Yes
Statute: ARK.CODE ANNT 11-9-101
Certificate filing: N/A
An employer needs an Arkansas endorsement from an insurer licensed for Arkansas; otherwise, could be a noncomplying employer.
Post Katrina update: Verbal update from an Arkansas Insurance Department representative confirms that Arkansas will honor workers' compensation coverage from another jurisdiction for workers of that other jurisdiction in Arkansas on a temporary and incidental basis. An employer that sets up a permanent location in Arkansas must obtain Arkansas coverage for Arkansas subject workers.
California Division of Workers' Compensation
1515 Clay St. 17th floor
Oakland, CA 94612
800-736-7401 (toll-free)
dwc@dir.ca.gov
http://www.dir.ca.gov/dwc/dwc_home_page.htm
Extraterritorial provisions: Yes
Reciprocity: Yes
Statute: Labor Code section 3600.5
Certificate filing: Not required
Florida Department of Financial Services Division of Workers' Compensation
200 East Gaines St.
Tallahassee, FL 32399-4220
800-742-2214 (toll-free)
850-413-1609
Workers.CompService@myfloridacfo.com
http://www.myfloridacfo.com/division/wc/
Extraterritorial provisions: Yes
Duration: Ten consecutive days or no more than 25 total days during a calendar year
Reciprocity: Yes
Statute: 440.094
Certificate filing: N/A
Workers' Compensation Board of Indiana (WCBI)
402 W. Washington St.
IGCS Room: W196
Indianapolis, IN 46204
800-824-COMP (toll-free)
317-232-3808
http://www.in.gov/wcb/
Extraterritorial provisions: Yes
Duration: Not specific
Reciprocity: Yes
Statute: http://www.in.gov/workcomp/
Certificate filing: No
Louisiana Workforce Commission Office of Workers' Compensation
P.O. Box 94040
Baton Rouge, LA 70804-9040
225-342-7555
owca@lwc.la.gov
http://www.laworks.net/workerscomp/owc_mainmenu.asp
Extraterritorial provisions: Yes
Duration: Six months, extendable
Reciprocity: Yes
Statute: La.R.S. 23:1035.1
Certificate filing: N/A
Credit/offset for benefits paid under other state's workers' compensation laws.
Louisiana will honor workers' compensation coverage from other jurisdictions for workers in Louisiana on temporary assignment. Although a worker could file a Louisiana claim, the extraterritorial coverage of the employer from another jurisdiction for that worker will cause the claim to be dismissed in Louisiana.
Workers' Compensation Board
General Counsel's Office
27 State House Station
Augusta, ME 04333
888-801-9087 (toll-free)
207-287-3751
http://www.maine.gov/wcb/
Extraterritorial provisions: Yes
Duration: 5 consecutive days; 10 days in a 30-day period; or, 30 days in any 360-day period.
Reciprocity: Yes
Statute: 39-A M.R.S.A 113
Certificate filing: Workers' Compensation Board
Matches sending jurisdiction.
Workers' Compensation Commission
10 East Baltimore St.
Baltimore, MD 21202-1641
410-468-2000
http://www.mdinsurance.state.md.us
http://www.wcc.state.md.us/
Extraterritorial provisions: Yes
Duration: Not specific
Reciprocity: Yes
Statute: Md. Code Ann., Lab. & Empl. § 9-203
Certificate filing: Workers' Compensation Commission
Minnesota Labor and Industry
Special Compensation Fund - Insurance verification
443 Lafayette Road
St. Paul, MN 64229
800-342-5354 (toll-free)
651-284-5032
dli.mn.gov/business/workers-compensation-businesses
Extraterritorial provisions: Yes
Duration: Not specific
Reciprocity: Yes
Statute: Minn. Stat. 176.041, subd 2-6; Stat. 176.295
Certificate filing: Not required
Mississippi Workers' Compensation Commission
P.O. Box 5300
Jackson, MS 39296-5300
866-473-6922 (toll-free)
601-987-4200
http://www.mwcc.state.ms.us
Extraterritorial provisions: Yes
Duration: Six months, extendable
Reciprocity: Yes
Statute: 71-3-109
Certificate filing: Workers' Compensation Commission, but only at time of injury.
Nevada Division of Industrial Relations Workers' Compensation Section, Employer Compliance Unit
400 W. King St. #400
Carson City, NV 89703
775-684-7270
http://dir.nv.gov/WCS/home/
Extraterritorial provisions: Yes
Duration: Six months, extendable.
Reciprocity: Yes
Statute: NRS 616B.600
Certificate filing: Nevada Division of Industrial Relations
All construction projects require Nevada-specific coverage. Independent contractors and subcontractors are accorded status of employees, regardless of the trade.
Workers' Compensation Court
1915 N Stiles
Oklahoma, City OK 73105
855-291-3612 (toll-free)
405-522-3222
http://ok.gov/wcc/
Extraterritorial provisions: Yes
Duration: Not specific
Reciprocity: No
Statute: 85 O.S., Section
Certificate filing: Workers' Compensation Court or fax to 405-522-8683
Workers' Compensation Division
P.O. Box 14480
Salem, OR 97309-0405
503-947-7815
wcd.employerinfo@oregon.gov
Extraterritorial provisions: Yes
Duration: Defined by rule - OAR 436-050-0055
Reciprocity: Yes
Statute: ORS 656.126
Certificate filing: Workers' Compensation Division, Operations Section
RI Dept. of Labor & Training
Workers' Comp Unit
1511 Pontiac Ave.
P.O. Box 20190
Cranston, RI 02920-0629
401-462-8100
DLT.WCEdcUnit@dlt.ri.gov
http://www.dlt.ri.gov/wc/
Extraterritorial provisions: Yes
Duration: Not specific
Reciprocity: Yes
Statute: 28-29-15 and 28-29-16
Certificate filing: Workers' Compensation Department, but required only if conflict arises.
Division of Labor and Management
Missouri River Plaza
123 West Missouri
Pierre, SD 57501-2291
605-773-3101
email
http://dlr.sd.gov/insurance/workers_compensation.aspx
Extraterritorial provisions: Yes
Duration: 6 months
Reciprocity: Yes
Statute: SDCL 62-3-14
Certificate filing: Division of Labor and Management
Workers' Compensation Division
Tennessee Department of Labor and Workforce Development
220 French Landing Dr.
Nashville, TN 37243-1002
615-532-4812
wc.info@tn.gov
https://www.tn.gov/workforce/section/injuries-at-work
Extraterritorial provisions: Yes
Duration: No more than 14 days consecutively, or 25 total days, in a calendar year for employees working temporarily out-of-state. Certificate filing is required for employers with employees working temporarily out-of-state.
Reciprocity: Yes
Statute: T.C.A. 50-6-115
Certificate filing: Yes
Texas Department of Insurance
Division of Workers' Compensation
7551 Metro Center Suite 100
Austin, TX 78744
800-252-3439 HelpLine (toll-free)
800-372-7713 Main office (toll-free)
800-252-7031, Option 1 customer service
http://www.tdi.texas.gov/wc/index.html
Extraterritorial provisions: Yes
Duration: Not specific
Reciprocity: Yes
Statute: Subchapter D Sec. 406.071,.072,.073,.074
Certificate filing: Not required
Department of Labor
Workers' Compensation & Safety Division
5 Green Mountain Dr.
PO Box 488
Montpelier, VT 05601-0488
802-828-2286
Labor.WCComp@vermont.gov
http://labor.vermont.gov/workers-compensation/
Extraterritorial provisions: Yes
Duration: Not specific
Reciprocity: Yes
Statute: Title 21.Chap 9, Sections 616, 619, 620, 623
Certificate filing: Not required.
Note: Filing not required, but for work performed in Vermont, Vermont must be listed as a covered state on the workers' compensation insurance policy. Vermont will accept an out-of-state employer's coverage while operating in Vermont provided that the insurance carrier is licensed to write insurance in Vermont and an amendatory endorsement is added to the policy adding Vermont for coverage purposes. A worker from another jurisdiction who is injured while working in Vermont can perfect a Vermont claim under certain circumstances. An out-of-state employer not providing required coverage for workers performing its business in Vermont may be found in non-compliance with Vermont law.
State of Wyoming
Department of Workforce Services
The Division of Worker's Compensation
1510 East Pershing Blvd. South Wing
Cheyenne, WY 82002
307-777-6763
http://www.wyomingworkforce.org/businesses/workerscomp/
Extraterritorial provisions: Yes
Duration: Six months
Reciprocity: Yes
Statute: Title 27 Chapter 14 - 204
Certificate filing: Registration required plus Out of State Questionnaire paperwork
Restrictions
Alabama Workers' Compensation Division
649 Monroe St.
Montgomery, AL 36131
800-528-5166 (toll-free)
334-242-2868
https://labor.alabama.gov/wc/
Extraterritorial provisions: Yes
Duration: Not specific
Reciprocity: Yes (90 day limit)
Statute: Title 25 Chap 5-35
Certificate filing: N/A
Must register with Secretary of State in Alabama to do business in Alabama. Workers' compensation not required if business has fewer than five employees. Alabama allows coverage for up to 90 days under the workers' compensation insurance covering employees of another state temporarily working in Alabama. Immediately for Alabama workers and after 90 days if the employer has only out-of-state workers in Alabama, Alabama requires any out-of-state employer operating in Alabama to obtain an all-states endorsement from an insurer licensed for Alabama.
State Board of Workers' Compensation
270 Peachtree St. NW
Atlanta, GA 30303-1299
800-533-0682 (toll-free)
404-651-7839
https://sbwc.georgia.gov/divisions-offices
Extraterritorial provisions: Yes, see O.C.G.A. 34-9-242
Duration: Not specified
Reciprocity: Yes, with exception. See O.C.G.A. 34-9-121(b)(1)
Statute: O.C.G.A. 34-9-242 and O.C.G.A 34-9-121(b)(1)
Certificate filing: Not required
Idaho Industrial Commission
Employer Compliance Department
P.O. Box 83720
Boise, ID 83720-0041
208-334-6060
suretyrequest@iic.idaho.gov
http://www.iic.idaho.gov/
Extraterritorial provisions: Yes
Duration: 6 month certificates with possible extension(s)
Reciprocity: Yes
Statute: Title 72 Chap 2 72-217
Certificate filing: Idaho Industrial Commission Public contract law has some Idaho residency requirements.
Montana Department of Labor & Industry
Employment Relations Division
P.O. Box 8011
Helena, MT 59604-8011
406-444-6543
http://erd.dli.mt.gov/work-comp-regulations
Extraterritorial provisions: Yes
Duration: Six months, extendable
Reciprocity: Yes, except in construction industry.
Statute: Title 39 Chap 71 Sect 402
Certificate filing: Department of Labor & Industries
All construction industry work requires Montana-specific coverage.
Workforce Safety & Insurance
1600 East Century Ave., Suite 1
P.O. Box 5585
Bismarck, ND 58506
800-777-5033 (toll-free)
ndwsi@nd.gov
https://www.workforcesafety.com/
Extraterritorial provisions: Yes
Duration: Up to one year under a reciprocal filing
Reciprocity: Yes - if within ND wage restriction (OR_ND have a written agreement on file)
Statute: 65-08-01
Certificate filing: No
Extraterritorial coverage extends to incidental operations lasting fewer than 30 days in a state where the employer has no other significant contacts with that state and those operations do not require the employer to purchase workers' compensation insurance under the laws of that state.
Any employer whose employment results in significant contacts with North Dakota shall acquire coverage with WSI. An employer has significant contacts with North Dakota when any employee earns, or would have been expected to earn, 25 percent or more of his or her gross annual wage or income from that employer for services rendered within North Dakota, or 25 percent of the employer's gross annual payroll is payable to employees for services rendered in North Dakota.
Bureau of Workers' Compensation
30 West Spring St., Level 26
Columbus, OH 43215
800-644-6292 (toll-free)
https://www.bwc.ohio.gov/
Extraterritorial provisions: Yes
Duration: While an employee temporarily works outside Ohio
Reciprocity: Yes, but conditional
Statute: O.A.C. 4123-17-23, O.R.C.4123.54.
Certificate filing: Not required
Extraterritorial coverage is provided for Ohio employees working temporarily outside of Ohio, but the claim must be filed with the Ohio Bureau of Workers' Compensation. For non-Ohio residents working temporarily in Ohio, the extraterritorial coverage of an out-of-state employer is recognized for 90 consecutive days for each temporary exposure in Ohio. BWC has a fact sheet explaining this 90-day rule on its website at https://www.bwc.ohio.gov/downloads/blankpdf/InterstateJurisdiction.pdf.
Washington State Dept. of Labor & Industries
Employer Services Program
Insurance Services Division
P.O. Box 44148
Olympia, WA 98504-4148
360-902-4817
http://www.lni.wa.gov/
Extraterritorial provisions: Yes
Duration: Not specific
Reciprocity: Yes when specified by reciprocal agreements (there is an OR/WA reciprocity agreement); conditional in the absence of a reciprocal agreement. Without a reciprocal agreement, construction work requires Washington coverage, while non-construction work normally permits reciprocity
Statute: RCW 51 12 120
Certificate filing: Labor and Industries.
In the construction industry, Washington does not reciprocate unless there is a reciprocity agreement in place (Oregon, Idaho, North Dakota, South Dakota, Utah, and Wyoming - all others require Washington-specific coverage).
Office of the Insurance Commissioner
Employer Coverage Division
P.O. Box 11682
Charleston, WV 25339-1682
304-558-6279, ext. 1202
http://www.wvinsurance.gov/WorkersCompensation.aspx
Extraterritorial provisions: Yes, with limitations and agreements, see statute
Duration: 30-day limitation may apply
Reciprocity: Yes, for 30 days under temporary assignments
Statute: Title 85, Series 8 and WV code 23-2-1
Certificate filing: Office of the Insurance Commissioner, Employer Coverage Division
Does not reciprocate
Alaska Division of Workers' Compensation
Workers' Compensation Division
1111 W 8th St., Room 305
Juneau AK 99801
Mailing:
P.O. Box 115512
Juneau AK 99811-5512
877-783-4980 (toll-free)
907-465-2790
workerscomp@alaska.gov
http://labor.alaska.gov/wc/home.htm
Extraterritorial provisions: No
Duration: Not specified
Reciprocity: No
Statutes: AS 23.30.011(a,b,c), 23.30.075, 23.30.395(20), 23.30.090, 23.30.045(d)
Certificate filing: N/A
Need to have Alaska coverage through insurer or self-insurance as authorized by Alaska Workers' Compensation Division. Public contracts require proof of this coverage.
Colorado Division of Workers' Compensation
Insurance Programs
633 17th St., Suite 400
Denver, CO 80202
888-390-7936 (toll-free)
303-318-8700
https://www.colorado.gov/pacific/cdle/dwc
Extraterritorial provisions: Yes
Duration: Six months
Reciprocity: No
Statute: 8-41-204
Certificate filing: N/A
All employers performing work in Colorado must have a Colorado endorsement from an insurer licensed in Colorado; otherwise, will be a noncompliant employer.
Connecticut Workers' Compensation Commission
Capitol Place
21 Oak St., Fourth Floor
Hartford, CT 06106
800-223-9675 (toll-free)
860-493-1500
wcc.chairmansoffice@po.state.ct.us
http://wcc.state.ct.us/
Extraterritorial provisions: No
Duration: N/A
Reciprocity: No
Certificate filing: N/A
Delaware Department of Labor
Division of Industrial Affairs
Office of Workers' Compensation
4425 North Market St.
Wilmington, DE 19802
302-761-8200
http://dia.delawareworks.com/workers-comp
Extraterritorial provisions: Yes
Duration: Not specified
Reciprocity: No
Statute: 19 Del.C. &2303
Certificate filing: N/A
Department of Labor & Industrial Relations
Disability Compensation Division
830 Punchbowl St., Room 209
Honolulu, HI 96813
808-586-9158
http://labor.hawaii.gov/dcd/wc-links/
Extraterritorial provisions: Yes
Duration: Not specified
Reciprocity: No
Statute: Section 386-6 Hawaii Revised Statutes
Certificate filing: N/A
Illinois Workers' Compensation Commission
100 West Randolph St., Suite 8-200
Chicago, IL 60601
312-814-6611
wcc.infoquestions@illinois.gov
http://www.iwcc.il.gov/
Extraterritorial provisions: Yes
Duration: Not specified
Reciprocity: No
Statute: 820 ILCS 305/1(b)
Certificate filing: N/A
Division of Workers' Compensation
Compliance
1000 East Grand Ave.
Des Moines, IA 50319-0209
800-JOB-IOWA (toll-free)
515-281-5387
IWD.DWC@iwd.iowa.gov
http://www.iowaworkcomp.gov/
Extraterritorial provisions: Yes
Duration: Not specific
Reciprocity: No
Statute: Iowa Code section 85.71 & 85.72
Certificate filing: N/A
Other jurisdiction coverage considered only for purposes of benefit credit.
Kansas Division of Workers' Compensation
Compliance Section
401 SW Topeka Blvd., Ste. 2
Topeka, KS 66603
785-296-4000
wc@dol.ks.gov
http://www.dol.ks.gov/workcomp/Default.aspx
Extraterritorial provisions: Yes
Duration: Restricted
Reciprocity: No
Statute: www.dol.ks.gov/
Certificate filing: N/A
For work performed in Kansas, Kansas must be listed as a covered state on the workers' compensation insurance policy. Kansas will accept an out-of-state employer's coverage while operating in Kansas provided that an all-states endorsement is from an insurer licensed to provide workers' compensation insurance in Kansas.
Department of Industrial Accidents
Office of Chief Legal Counsel
1 Congress St., Suite 100
Boston, MA 02114
800-323-3249 (toll-free)
617-727-4900
Info2@massmail.state.ma.us
http://www.mass.gov/lwd/workers-compensation/
Extraterritorial provisions: Yes
Duration: Work must be temporary in nature
Reciprocity: No
Statute: MGL c. 152 section 25A
Certificate filing: N/A
Massachusetts coverage must be specifically listed in Section 3A of the employer's workers' compensation policy
State of Michigan Workers' Compensation Agency
Compliance & Employer Records Division
P.O. Box 30016
Lansing, MI 48909
888-396-5041 (toll-free)
wcinfo@michigan.gov
https://www.michigan.gov/wca
Extraterritorial provisions: Yes
Duration: Not specific
Reciprocity: No
Statute: MCL 418.845, 418.846
Certificate: filing: N/A
Credit/offset for benefits paid under other state's workers' compensation laws.
Division of Workers' Compensation
Fraud and Noncompliance Unit
P.O. Box 1009
Jefferson City, MO 65102-1009
800-775-2667 (toll-free)
573-751-4231
workerscomp@labor.mo.gov
http://labor.mo.gov/dwc
Extraterritorial provisions: Yes
Duration: Not specific
Reciprocity: No
Statute: 287.030, 287.128, 287.380 RSMo
Certificate filing: N/A
In the state of Missouri, you must carry workers' compensation insurance if you have five or more employees, unless you are in the construction industry. Then, you must carry workers' compensation insurance if you have at least one employee. Employers that don't have the required number of employees or who have employees in the exempt categories may "elect" to come under the law and carry workers' compensation insurance. Exempt employers that decide not to purchase workers' compensation insurance or to self-insure remain exposed to civil lawsuits brought by employees who are injured during work. Sole proprietors and partners are not themselves covered unless they elect to be covered; close family member-employees and members of a limited liability company are presumed to be covered unless they opt out.
Railroad, postal, and maritime workers are covered under federal laws and not by Missouri's workers' compensation laws. Other exceptions include: farm labor, domestic servants in a private home, occasional labor performed for or related to a private household, qualified real estate agents, direct sellers, volunteers of a tax exempt organization where such volunteers are not paid wages and adjudicators, and sports officials or contest workers for interscholastic activity programs or amateur youth programs who are not employed by the sponsor of the event.
Nebraska Workers' Compensation
Court Legal Section
P.O. Box 98908
Lincoln, NE 68509
800-599-5155 (toll-free)
402-471-6455
http://www.wcc.ne.gov
Extraterritorial provisions: Yes
Duration: Not specific
Reciprocity: No
Extraterritorial: Statute: NRS 48-115(2)
Certificate filing: Not required
State of New Hampshire
Workers' Compensation Division
95 Pleasant St.
Concord, NH 03301
800-272-4353 (toll-free)
603-271-3176
https://www.nh.gov/labor/workers-comp/index.htm
Extraterritorial provisions: No
Duration: N/A
Reciprocity: No
Statute: Repealed
Certificate filing: N/A
New Jersey Department of Labor & Workforce Development
Division of Workers' Compensation
John Fitch Way, 6th floor
P.O. Box 381
Trenton, NJ 08625-0381
609-292-2515
dwc@dol.nj.gov
https://www.nj.gov/labor/wc/wc_index.html
Extraterritorial provisions: No
Duration: N/A
Reciprocity: No
Statute: None
Certificate filing: N/A
Workers' Compensation Administration
P.O. Box 27198
Albuquerque, NM 87125
505-841-6000
https://workerscomp.nm.gov/
Extraterritorial provisions: Yes
Duration: Not specific
Reciprocity: No, requires specific agreements between jurisdictions
Statute: NMSA 52-1-64, 65, 66, 67, 68
Certificate filing: Not applicable
If only one or two employees are in the state from another jurisdiction, you may not be required to obtain coverage specific to New Mexico. If you have three or more workers in New Mexico, you must have coverage with an insurer authorized for New Mexico.
Workers' Compensation Board of NYS
328 State St.
Schenectady, NY 12305
877-632-4996 (toll-free)
general_information@wcb.ny.gov
http://www.wcb.ny.gov/
Extraterritorial provisions: Yes
Duration: Generally, a New York employee working outside of the state, but who is under the direction and control of a New York employer will be eligible for benefits under New York's workers' compensation law. There is no statutory time limit on these benefits. However, that worker could choose to forgo New York benefits and file for benefits in the state that they are working in.
Reciprocity: No, New York must appear on item 3A of the information page on the workers' compensation insurance policy.
Statute: Article 2
Certificate filing: N/A
South Carolina Workers' Compensation Commission
P.O. Box 1715
Columbia, SC 29202-1715
803-737-5700
https://wcc.sc.gov
Extraterritorial provisions: Yes
Duration: Normally annual renewal date
Reciprocity: No
Statute: 42-1-360 and 42-15-10
Certificate filing: N/A
Any employer who regularly employs four or more workers must have workers' compensation insurance through an insurer licensed for South Carolina.
Workers' Compensation Commission
1000 DMV Dr.
Richmond, VA 23220
877-664-2566 (toll-free)
Questions@workcomp.virginia.gov
http://www.vwc.state.va.us/
Extraterritorial provisions: Yes
Duration: N/A
Reciprocity: No
Statute: Code of Virginia 65.2-508
Certificate filing: N/A
Virginia law requires that an employer who regularly employs more than two part-time or full-time employees (including executive officers) carry workers' compensation. If a business hires subcontractors to perform the same trade, business or occupation, or to fulfill a contract, the subcontractor’s employees are included when determining the total number of employees for coverage requirements. Out of state employers with a current valid workers' compensation policy from their home state must have valid Virginia workers' compensation coverage with a carrier licensed to write Virginia coverage before performing work in Virginia. This may be accomplished by adding the state of Virginia to Item 3A of the existing insurance policy. Item 3A of the policy is for “known exposure” and identifies insurance for operations conducted in a state. Pursuant to § 65.2-805, an employer that fails to insure when required under the Act shall be assessed a civil penalty of up to $250 per day for each day uninsured, subject to a maximum civil penalty of $50,000.00 plus costs.
Workers' Compensation Division
P.O. Box 7901
Madison, WI 53707-7901
608-266-1340
wcadmin@dwd.wisconsin.gov
https://dwd.wisconsin.gov/wc/
Extraterritorial provisions: No information provided
Duration: No information provided
Reciprocity: No. Requires policy through insurer licensed in Wisconsin. Wisconsin coverage must be specifically listed in Section 3A of the employer's workers' compensation policy.
Statute: 102.28*
Certificate filing: N/A
Wisconsin coverage is required immediately for three or more employees. If only one or two employees are in the state from another jurisdiction temporarily (less than three months), you may not be required to obtain Wisconsin coverage for that period.