Five states have their own system for providing reparations to injured employees eligible under the state's workers compensation act. Private insurance companies may not compete. The states are North Dakota, Ohio, Washington, West Virginia, and Wyoming.

A state or provincial workers' compensation insurance plan that prohibits the writing of this type of coverage by private carriers.

In certain states, a fund set up as an agency of a state government, from which all employers who are not self-insured or covered by group self-insurance are required to purchase workers' compensation insurance.