How do tower contractors handle workers comp in multiple states?

Tower contractors with crews working across state lines need workers compensation coverage that responds in every state where they perform work. This is handled through the other-states endorsement (Item 3A on the policy information page), which should list all states where you currently work or may send crews during the policy period. If you send a crew to a state not listed on your policy, there may be no coverage for injuries in that state. Best practice is to list all states except monopolistic states (Ohio, Washington, Wyoming, North Dakota) and states where you will never work. Some contractors list all non-monopolistic states to avoid gaps. Each state has its own benefit levels, medical fee schedules, and sometimes unique class codes. Your premium is calculated based on the rates in each state where payroll is reported. States with higher benefit levels (California, New York, Illinois) will generate higher premium per dollar of payroll. During audits, you must report payroll by state based on where the work was performed, not where the employee lives or where your office is located. For crews that travel frequently, maintain daily job records showing which state each employee worked in each day.