Monopolistic State (Workers Comp)
Definition. Monopolistic State refers to a state where Workers Compensation can ONLY be purchased through the state fund. 4 US states: Ohio, North Dakota, Washington, Wyoming.
Also known as: Monopolistic State Fund, Mono-State
In monopolistic states, private carriers cannot write WC at all. No carrier shopping is possible. Premium-reduction options are limited to risk management, return-to-work programs, and clean claims history.
Example
Ohio plumber must buy WC from Ohio BWC; cannot shop The Hartford or Travelers.
Sources cited
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📘 Educational content only.
Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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