If an employer is about to start working in a new state, will their current Workers' Compensation policy automatically provide coverage for that state?

The correct response is that if the new state was listed on the information page of the current Workers' Compensation policy, then coverage would indeed extend to that state. This is because Workers' Compensation policies typically have a territorial clause that specifies the states in which coverage is applicable. When an employer decides to operate in a new state, it is crucial for them to ensure that the new state is included on this information page to confirm that they are covered under their existing policy.

Being listed on the information page indicates that the insurer has recognized the associated risks and has agreed to provide coverage for that state, thereby making it possible for the employer to operate there without the need for additional or new policies. This ensures continuity and compliance with the local regulations regarding Workers' Compensation.

Other options imply that coverage is either automatically limited or contingent upon further actions, such as issuing new policies or submitting documentation for approval. However, when an employer's current policy includes the new state on their policy's information page, coverage is effectively already in place, negating the need for these additional steps.