Placing Workers’ Compensation coverage is already a challenge in many industries. Add multiple states into the mix, and it becomes one of the most complex placements agents face. Varying regulations, inconsistent class codes, and carrier restrictions can slow you down or force you to walk away from valuable business. That’s exactly where a specialized Workers’ Comp wholesaler like Worksperity steps in to simplify the process and help you win more accounts.

What Makes Multi-State Workers’ Comp So Complex?

Handling Workers’ Comp is tough enough in one state — now multiply that by five or 10. Each state brings its own rules, rate structures, and limitations, which is why multi-state placements often stall. Here’s where most agents hit roadblocks.

Class Codes Vary by State

You may already know that Workers’ Comp classification codes define risk by job role. But what catches many agents off guard is that the same job title can carry different codes depending on the state. Those distinctions impact rates, eligibility, and even carrier availability.

Carriers May Have Limited Footprints

Many standard carriers are only licensed or willing to write business in certain states. If your client operates in five states but your go-to market only writes three, you’re either patching together policies or leaving coverage gaps.

Coverage Gaps Risk Compliance Issues

Without a consolidated solution, clients may face uncovered payroll, misclassified employees, or out-of-state penalties. And if onboarding is already underway in a new location, you may be racing the clock to secure compliant coverage before claims become a problem.

It’s Easy To Miss Small Details

From extraterritorial endorsements to state-specific exclusions, multi-state Workers’ Comp can get technical. Without support, agents can unknowingly submit incomplete or non-compliant policies.

How Worksperity Helps You Place Multi-State Business

You shouldn’t have to turn down an opportunity just because it crosses a state line. Worksperity makes it easy to say yes to multi-state clients.

• One-policy placement across states: Our specialized markets support consolidated programs that span multiple states, reducing administrative headaches and coverage uncertainty.
• No state minimums or payroll restrictions: Many wholesalers decline submissions for low payroll states. Worksperity doesn’t. Whether your client has one employee in Iowa or a large headcount in Texas, we have markets ready to quote.
• Fast turnaround and dedicated support: We understand the urgency. That’s why our team of Workers’ Comp experts walks you through the compliance maze and delivers quotes quickly, even when time is tight.
• Flexible programs for unique clients: Whether it’s a seasonal expansion, staffing fluctuation, or payroll variation, we offer solutions that adapt to your clients’ growth. Our market network was built for complexity.

FAQ: Workers’ Comp & Multi-State Clients

Do workers’ comp class codes vary by state?

Yes. Each state maintains its own version of class codes, and while many use NCCI standards, others (like California or New York) operate independently. That means a role classified under 8017 in one state could have an entirely different rate or code in another.

Can I use one policy for multiple states?

Yes, but only with the right carrier and setup. Many markets require separate policies or exclude specific states. At Worksperity, we simplify placement by offering single-policy solutions that span your client’s full operational footprint.

What’s the fastest way to get a quote for a multi-state client?

Send a submission. Include your ACORD 130, current loss runs (or loss affidavit if applicable), and any details about new state expansion or projected payroll. Our team will prioritize your quote and guide you through the next steps.

Make Multi-State Placements a Win, Not a Headache

Multi-state doesn’t have to mean multi-problem. With the right wholesaler behind you, even the most complex placements become manageable and profitable. Worksperity was built to help agents like you say yes to more business, no matter how many states are involved.

Send a submission today, and find out how much easier it is to place business confidently with the right wholesale partner.

About Worksperity

Worksperity is a specialized wholesale brokerage focused exclusively on Workers’ Compensation. We partner directly with retail agents to simplify placements for hard-to-place industries and clients with coverage barriers. Our deep expertise, rapid quote capabilities, and access to 90+ niche markets empower agents to win more business, faster. Learn more at worksperity.com.