Item 3A is a section of a workers’ compensation policy relevant to businesses that have employees that cross state lines or travel out of state to conduct any work. This section lists the actual states where an employer has notified the insurance carrier that they need coverage in that state due to employees living or working there.
States listed in section 3A are covered as primary states and the carrier is reporting such coverage to the state on behalf of the employer. Section 3A is what really matters in order to maintain compliance with state rules and have ongoing coverage under the policy and the laws of the states listed.
Are you crossing state borders for work? Ensure your Workers’ Compensation policy covers all workplaces to avoid penalties. Discover why Item 3A is crucial in your policy and learn from recent enforcement actions in New Hampshire, shedding light on state-specific compliance challenges.
Murphy Insurance Agency provides insurance solutions across Massachusetts and New England. Where you live is not a barrier to our assisting you. We are proud to serve the communities where our customers live and work, including Acton, Ashland, Ayer, Bellingham, Berlin, Blackstone, Bolton, Boston, Boxborough, Boylston, Chelmsford, Clinton, Concord, Devens, Dunstable, Fitchburg, Foxborough, Framingham, Franklin, Groton, Harvard, Holliston, Hopedale, Hopkinton, Hudson, Lancaster, Leominster, Littleton, Lunenburg, Marlborough, Maynard, Medfield, Medway, Mendon, Milford, Millis, Millville, Natick, Norfolk, Northborough, Northbridge, Pepperell, Sherborn, Shirley, Shrewsbury, Southborough, Sterling, Stow, Sudbury, Townsend, Upton, Uxbridge, Wayland, Westborough, Westford, Weston, Whitinsville, Worcester, and last but not least, Wrentham.