What describes the coverage territory of a WC&EL policy?

• A. The policy provides coverage in every state.
• B. The policy provides coverage in the state in which the insured is headquartered.
• C. The policy provides coverage in any state listed on the information page.
• D. The policy provides coverage in any state in which the insured operates.

Answer: (C)

Coverage territory is defined by the states listed on the policy’s declarations (information) page. The policy will provide coverage only in those jurisdictions that are expressly listed, so the correct description is that coverage applies in any state shown on the information page. It isn’t automatically universal, nor is it determined by where the insured’s headquarters are or by where the insured operates unless those states are specifically listed or endorsed. If a state isn’t listed, coverage there may not apply.