An employer does not have any other states listed under Part III-Other States Insurance in his WC Policy. How would coverage apply if an employee is injured in a state other than his home state?

The correct answer indicates that there would be no coverage for the employee in this situation. In Minnesota and many other states, workers' compensation insurance policies typically include a section where employers can list other states where coverage is applicable. If an employer does not list any other states under Part III - Other States Insurance in their policy, it means that the coverage is limited exclusively to the state where the employer is based.

When an employee is injured in a state that is not listed in their employer's workers' compensation policy and is outside the scope of the policy's coverage, it results in a lack of applicable workers' compensation benefits for that injury. This situation highlights the importance of ensuring that employers are aware of the states in which they may have employees working and the necessity to include appropriate coverage in their workers' compensation policy for those locations. Without this coverage, employees would need to look for other means to address their injury, and employers may be unprotected against claims arising from work-related injuries occurring outside the declared areas of coverage.