What term describes states that require workers' compensation coverage to be provided exclusively by the state's workers' compensation program?

Monopolistic states refer to those that mandate the provision of workers' compensation insurance exclusively through a state-operated program, meaning that private insurance companies are prohibited from offering this coverage within those states. This arrangement ensures that the state controls the workers' compensation system, which can lead to uniformity in the benefits provided and streamline the processing of claims.

In these monopolistic systems, the state acts as the sole provider, which can simplify regulatory oversight, although it can also limit the options available for employers and employees compared to competitive systems, where private insurers participate. This distinction allows for a clearer understanding of how different states manage workplace injury coverage and the implications it has for businesses and their workers.