Monopolistic State

A Monopolistic State, in the context of Workers' Compensation, is a US state where private WC insurance is not available and all employers must purchase coverage through a single state-run fund. The four monopolistic states are North Dakota (WSI), Ohio (BWC), Washington (L&I), and Wyoming (Department of Workforce Services). In these states, a standard ACORD 25 Certificate of Insurance will typically show a blank Workers' Comp line because the state fund doesn't issue COIs in the traditional format. Verification must be done through the state fund's online portal instead.