Companies with one or more part-time or full-time employees must buy a work comp policy.

Sole-Props & Partners are excluded from a work comp policy, but they can choose to be included on a policy.

Sole-Proprietors & Partners who include themselves on workers compensation coverage must use a payroll amount of $26,100 for rating purposes. (as of January 1, 2017)

Corp Officers & LLC Members are automatically included on a workers comp policy, but they may choose to be excluded from a work comp policy.

An LLC or Corporation may elect to exclude up to three executive officers / LLC Members. However, this exclusion does not apply to construction site workers.

Corporations with only 3 or less corporate officers and no employees other than these 3 Corp Officers are exempt from work comp coverage.

Officers and LLC Members who are included on a policy must use a minimum payroll of $250 per week and a maximum payroll of $2,000 per week for calculating workers comp premium (as of 1/1/2017)


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