Who can be excluded from a workers' comp policy?

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.