For example, because auto liability and workers compensation insurance are required in most states, those with poor loss histories must be provided with access to these coverages. Although it is not required by law, many states also make homeowners insurance available under an AR plan. Every state, with the exception of those that are monopolistic, has a workers compensation AR plan, which is either a stand-alone entity or part of the competitive state fund. All insurers writing workers compensation coverage in the voluntary insurance market must also participate in the plan.