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Out-of-state workers' compensation coverage

If you are an out-of-state employer operating in Massachusetts, you are required to cover all your employees working in the Commonwealth with workers' compensation insurance under Massachusetts law.

Proving out-of-state coverage

You do not need to buy a policy strictly for Massachusetts if in your existing workers' compensation policy Massachusetts coverage is listed in Section 3.A of the policy's information page.

If Massachusetts is specifically listed in Section 3.C of the information page, the policy is acceptable only if the insurance carrier proves the coverage in Massachusetts.

The insurance carrier must complete and submit a Form 154 - Verification of Massachusetts Workers' Compensation Coverage for Out-Of-State Employers Operating in Massachusetts to our Office of Investigations.

Any note in Section 3.C of the policy's information page that says "all states are covered" or "all states are covered except those listed in Item 3.A and the States of: ND OH WA WY" or something similar is acceptable only upon proof of workers' compensation coverage in Massachusetts by the insurer. The insurer must complete and submit the Form 154. 

Additional Resources for Proving out-of-state coverage

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