There’s no one-size-fits-all answer to this question. Every state has different rules about who must be included, and who can be excluded. It often depends on the number of owners you have and what legal entity type your business is registered under (LLC, corporation, sole proprietor, etc.). You can access every state’s workers’ comp website on this interactive map to learn about the specific rules for your state.
Articles in this section
- Why is the premium for an owner/officer based on a payroll amount that’s different from their reported payroll?
- Who can be excluded from a workers' comp policy?
- What class code(s) should my employees be under for my workers' comp policy?
- How do I classify my employees for my workers’ comp policy?
- What do I do if I have a new employee?
- How can I understand my billing frequency for Pay As You Go?
- How do I know if I have to classify contractors as employees on my workers' comp policy according to California's AB5?
- What impact will AB5 in California (also known as the “gig worker bill”) have on my workers’ comp policy?
- What is workers’ comp insurance?
- What are the billing options for workers’ compensation policies?