Workers CompensationQuestion 495 of 531

Part Three, other states insurance, of the workers compensation policy responds when the employer:

a.Begins work in a listed state mid-term
b.Is sued by an employee instead of paying benefits
c.Ships goods to customers in several other states
d.Hires an employee who lives out of the home state

Explanation

The other states item names jurisdictions the employer might expand into; if operations start in one of them after inception, Part Three provides coverage until that state is properly added to the policy. It does not respond to a lawsuit brought by an employee, which is the job of employers liability, and it has nothing to do with where goods are shipped or where a worker happens to live.

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