Which of the following best describes the coverage of employees working in other states within an insured policy?

The correct answer regarding the coverage of employees working in other states within an insured policy is that coverage applies only if specified on the endorsement. This means that for employees who may work outside of the primary state listed in the workers' compensation policy, coverage will not automatically extend to those states unless the policy has been endorsed to include them.

In many workers' compensation policies, coverage is primarily designed to address claims that occur within the state where the policy is issued. Therefore, if an employee is assigned to work in a different state, the insurer may require that specific state coverage be added through an endorsement. This ensures that the policy properly covers any potential claims arising from work-related injuries that occur outside the designated coverage area.

By emphasizing that coverage in other states requires endorsement, this highlights the importance of reviewing policy details and confirming coverage specifications when employees operate outside of their home state. Policies can typically vary, which means it’s essential for policyholders to understand the limitations and requisite endorsements of their specific workers' compensation insurance.