multiple coordinated policies

Multiple coordinated policies are an arrangement of workers compensation insurance coverage typically used in the residual market to ensure that workers leased through an employee leasing company/professional employer organization (PEO) are afforded coverage without gaps or overlaps.

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This is achieved by having the leasing company/PEO and each of its clients purchase separate policies that have a common expiration date and are written by a single insurer. Then the multiple coordinated policy endorsement is added to each policy, which specifies which leased employees are covered by that policy.