Each state has its own coverage requirements for workers compensation. Some states require coverage (other than Ohio's coverage) for any employee working in their state, no matter how briefly, or the employer could face penalties, fines or even stop-work orders.
For information on individual state requirements, refer to Reciprocal Exemption Statutes.
Ohio's workers' compensation coverage does cover Ohio employees who temporarily work out of state. This happens through Ohio's extraterritorial coverage, which is a part of having active workers' compensation coverage with BWC.
Extraterritorial coverage means Ohio employees are covered as part of the Ohio workers' compensation coverage when working temporarily outside of Ohio. There is no set limit of time the Ohio extraterritorial coverage applies to employees working temporarily outside Ohio, so long as the work remains incidental to the Ohio employment.
For more information refer to Ohio's Extraterritorial Coverage FAQs.
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.
To request a copy of this letter, email email@example.com with your policy number and the state(s) your employees will be working.
Other states coverage
Any time an employee leaves Ohio, there is still a risk the employer's BWC extraterritorial coverage will not be sufficient. That's why Ohio provides an optional Other States Coverage policy. 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 an Other States Coverage policy. 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 Employer Eligibility Requirements.
How to apply
You must use the ACORD 130. Contact your insurance agent or BWC's other states coverage unit to obtain the form.
Instructions for completing the ACORD 130 form
If you have questions about the Other States Coverage program, contact us at:
Other States Coverage resources