You must get coverage from the state-run fund in four states
Regarding workers’ compensation, ProService can provide your business with coverage through our national policies program. We can provide workers’ compensation in the 46 states that allow private insurers to offer coverage. Four states have monopolistic coverage: Ohio, North Dakota, Washington, and Wyoming. This means private insurers cannot provide coverage, and the only option to get a policy is to go directly through the state-run fund.
If you work in certain industries, ProService will need extra information about your business
All businesses that utilize our HR solution for mainland employees will be required to fill out a 2-page workers’ compensation questionnaire that will help us gather details needed to underwrite a policy–in addition to providing a 5-year loss run report. However, ProService will need to collect additional information about your mainland operations for companies that work in certain industries.
These industries include construction, roofing, road paving, asbestos work, cement manufacturing, iron/steel fabrication, farming, tree trimming, tree removal, slaughtering, food processing, meat processing, nursing homes, emergency services, trucking operations, warehouses, clothing manufacturing or radio/tv broadcasting.