The named insured has coverage for those states listed in which item?

• A. The states listed in Item 3.A. of the information page
• B. All states
• C. Only the state where the employment occurs
• D. The states with active workers compensation enrollment

Answer: (A)

In this type of policy, the area where coverage applies is defined on the Declarations or information page as the coverage territory. The states where the named insured has active coverage are those specifically listed in Item 3.A. on that page. This means coverage is limited to those states, not automatically extending to every state.

Why the other ideas don’t fit: coverage isn’t assumed to be nationwide unless the declarations explicitly say so, and it isn’t limited to just the state where the employment occurs unless that narrow scope is stated. It also isn’t determined by which states have active workers’ compensation enrollment—enrollment status isn’t how the policy defines its covered territory. So the correct understanding is that coverage applies to the states listed in Item 3.A. of the information page.