Coverage is state specific coverage combining general health coverage and workers' compensation coverage. In 24-hour coverage, all of an employee's health claims- whether work-related or non-occupational-are covered by a single health care provider. Workers compensation insurance is typically provided by a P&C Insurance Agent. However (ONLY in 24-hour coverage states) health insurance agents are able to sell the 24-hour coverage as part of the group health plan. California is the primary state that recognizes the sale of 24-hour coverage. An agent must elect the additional E&O coverage for claims related to the sale and servicing of 24-hour coverage. Please note, the sale and servicing of Workers Compensation is NOT covered in states that do not recognize the sale of 24-hour coverage by licensed health agents.