Last reviewed: June 18, 2026 by Policyhold Compliance Team

Workers Compensation missing when required

Flag when the vendor has employees or your program requires WC evidence. North Dakota, Ohio, Washington, and Wyoming use monopolistic WC systems; absence of a standard WC line is not automatic grounds to flag. Verify state fund or assigned-risk evidence first.

Review a COI now

What this issue means

No workers compensation policy appears on the certificate, and your program requires WC evidence for this vendor.

Why it matters for mobilization

Workplace injuries without WC coverage can become your organization liability on the jobsite.

How to resolve it

Require statutory workers compensation, a written no-employees affidavit where permitted by state law, or acceptable alternate documentation such as a state fund certificate or monopolistic-state proof. Ask the broker to reissue if a standard private-carrier line should appear.

When approval should be blocked

Do not mobilize vendors with employees until workers comp is verified or a valid exemption is documented.

Recommended next step

Request updated Workers Compensation documentation before approving vendor.

Related issues

FAQ

What if workers comp doesn't appear on the ACORD 25?
North Dakota, Ohio, Washington, and Wyoming use monopolistic workers compensation systems. Verify state fund or assigned-risk evidence before flagging. Sole proprietors with no employees may be exempt in some states; confirm against your program requirements.

COI tracking for general contractors · Insurance requirements generator