https://www.insurerbrain.com/w/index.php?action=history&feed=atom&title=Definition%3AAll-states_endorsement 2026-06-13T18:01:56Z Revision history for this page on the wiki MediaWiki 1.43.8 https://www.insurerbrain.com/w/index.php?title=Definition:All-states_endorsement&diff=10340&oldid=prev 2026-03-11T16:29:18Z

<p>Bot: Creating new article from JSON</p> <p><b>New page</b></p><div>📑 &#039;&#039;&#039;All-states endorsement&#039;&#039;&#039; is an [[Definition:Endorsement | endorsement]] added to a [[Definition:Workers&#039; compensation insurance | workers&#039; compensation]] policy that extends coverage to any U.S. state or territory where the [[Definition:Insured | insured employer]] may have employees, beyond the states specifically listed on the policy&#039;s information page. Because workers&#039; compensation is regulated state by state — each jurisdiction imposing its own benefit levels, coverage requirements, and penalties for non-compliance — employers with operations or traveling employees in multiple states face a patchwork of obligations that a standard, single-state policy cannot fully address.<br /> <br /> ⚙️ The endorsement works by filling gaps that would otherwise leave an employer uninsured in jurisdictions not named on the declarations page. When an employee performs work in a state not listed on the base policy, the all-states endorsement triggers, providing the statutory benefits required by that state&#039;s [[Definition:Workers&#039; compensation law | workers&#039; compensation law]]. However, [[Definition:Monopolistic state fund | monopolistic state fund]] states — historically Ohio, North Dakota, Washington, and Wyoming — are excluded from the endorsement because employers in those states must obtain coverage through the state fund. [[Definition:Insurance carrier | Carriers]] issuing the endorsement accept the obligation to adjust benefits and [[Definition:Premium | premium]] to match whatever jurisdiction applies, which demands robust multistate compliance capabilities.<br /> <br /> 🛡️ Without an all-states endorsement, an employer that sends a single worker to a project in an unlisted state could face serious consequences: uninsured claim liability, regulatory fines, and potential [[Definition:Stop-work order | stop-work orders]]. For [[Definition:Insurance agent | agents]] and [[Definition:Insurance broker | brokers]], attaching this endorsement is considered standard practice for any commercial account with even a modest likelihood of multistate activity. It is a low-cost addition relative to the exposure it eliminates, and it reflects the broader principle that [[Definition:Underwriting | underwriting]] workers&#039; compensation effectively requires a jurisdiction-by-jurisdiction awareness that few other commercial lines demand to the same degree.<br /> <br /> &#039;&#039;&#039;Related concepts:&#039;&#039;&#039;<br /> {{Div col|colwidth=20em}}<br /> * [[Definition:Workers&#039; compensation insurance]]<br /> * [[Definition:Endorsement]]<br /> * [[Definition:Monopolistic state fund]]<br /> * [[Definition:Other-states insurance]]<br /> * [[Definition:Employers&#039; liability insurance]]<br /> * [[Definition:Statutory benefits]]<br /> {{Div col end}}</div>

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