Zero exposure policyholders must share workers’ compensation records

Applicants for a zero estimated exposure policy sign a statement confirming their application is accurate and they have no employees and zero estimated exposure. The rule applies when an insurer issues a policy after the employer reports total estimated exposure of zero. The statement says that hiring an employee during the policy period must be reported in writing to the insurer within 60 days, with the employee’s estimated payroll and classification codes. The statement says intent to defraud, or an omission or misrepresentation in the application, is unlawful. The rules apply to policies entered into on or after July 1, 2027.

A construction or improvement business with a zero estimated exposure policy gives each direct contracting partner a copy of the policy and written notice that its total estimated exposure is zero. This applies to employers that provide business construction and improvement services and obtain a zero estimated exposure policy. A recipient must keep the notice and policy for at least three years after receiving them. The rules apply to policies entered into on or after July 1, 2027. The three-year recordkeeping period starts when the recipient gets the notice.

A requested certificate for a construction-related workers’ compensation policy with zero estimated exposure includes a statement directing people to EWCCV.COM/CVS to confirm the policy’s status. This applies to any requested certificate for a construction-related workers’ compensation policy with zero estimated exposure. The rule applies to related certificates prepared on or after July 1, 2027.