Requirements: Companies with 5 or more full or part-time employees are required to purchase Alabama workmans comp insurance.  All construction related businesses must buy work comp coverage regardless of the number of employees.

Sole Proprietors & Partners – Excluded.  Allowed to be included by completing Form WC14/15

Alabama Sole Proprietors and Partners who include themselves on a workers compensation insurance policy must use a payroll amount of $42,300 for premium purposes. (As of 03/01/2016)

Corporations –  Included.  Officer may elect to be excluded by completing Form WC14/15

LLC – Treat as officers of a corporation

LLC Members and Officers who include themselves in work comp coverage must utilize a minimum payroll of $41,600 and a maximum payroll of $171,600 for premium calculation.  (as of 03/01/2016)

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