Ohio’s workers’ compensation law covers Ohio employees who temporarily work out of state through Ohio’s existing extraterritorial coverage provisions. Extraterritorial coverage refers to the extension of Ohio law for workplace injuries occurring outside Ohio.
For more information refer to Ohio’s Extraterritorial Coverage FAQs.
In addition, each state has its own coverage requirement for workers’ compensation. Some states require coverage for any work in the state, no matter how brief. Review our Reciprocal Exemption Statutes for information on individual state requirements.
Video: Working outside Ohio? What you need to know.
Other states coverage
Do you send employees outside Ohio to work? Do you wonder if you have adequate workers' compensation coverage for them? If so, you may want to look into BWC's Other States Coverage option. This optional policy:
- Prevents workers' compensation coverage gaps;
- Protects you from penalties and stop-work orders in other states;
- Provides peace of mind for you and your workers at an affordable rate.
We work with United States Insurance Services and Zurich Insurance to offer this optional coverage to employers who may face financial exposure while working outside Ohio.
Below are our initial guidelines to determine if you’re eligible for Other States Coverage. You must:
- Have active coverage with BWC;
- Have coverage lapses that do not exceed 40 cumulative days in the last 12 months;
- No past due balances;
- Report two-thirds of total payroll in Ohio for all related business operations;
- Have demonstrated consistent business performance and a commitment to workplace safety.
For additional requirements, review the Employer Eligibility Requirements.
How to apply
An employer must use the ACORD 130. You can contact your insurance agent or BWC’s Other States Coverage unit to obtain the form.
Instructions for completing the ACORD 130 form
Other States Coverage resources
Confirmation of coverage letter
For states that recognize BWC’s coverage, we’ve developed a confirmation of coverage letter. It explains that an Ohio employee is covered under Ohio’s workers’ compensation policy when temporarily working out of state. Click here to see a sample of the letter.
To request a copy of this letter, email firstname.lastname@example.org with your policy number and the state(s) your employees will be working.
If you have questions about the Other States Coverage program, contact us at: Phone: 614-728-0535 Fax: 1-800-671-2351 or by email to BWCotherstatescoverage@bwc.state.oh.us.