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Workers' comp exemptions, decoded

Plain-English guides on exemption filing, eligibility, ghost policies, and state-specific rules — for sole proprietors, corporate officers, and LLC members.

The Florida Workers' Comp Exemption: Who Qualifies and How to File
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Exemption FilingJune 10, 20264 min read

The Florida Workers' Comp Exemption: Who Qualifies and How to File

Florida has one of the most complex workers' comp exemption systems in the country. Here's who qualifies, how to file, and what to watch out for.

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Corporate Officer Exemption5 min read

Corporate Officer Workers' Comp Exemptions: State-by-State Rules

Corporate officers can often exempt themselves from workers' comp requirements — but the rules vary widely by state. Here's what you need to know.

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Sole Proprietor Exemption4 min read

Do Sole Proprietors Need Workers' Comp? Exemptions vs. Coverage

Most states automatically exempt sole proprietors from workers' comp requirements — but there are important exceptions every self-employed person should know.

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Ghost Policy5 min read

What Is a Ghost Policy for Workers' Comp?

A ghost policy lets exempt business owners get a certificate of insurance to satisfy contractor requirements — without paying for full coverage. Here's how it works.

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LLC Member Exemption5 min read

LLC Member Workers' Comp Exemptions: What You Need to Know

LLC members may qualify for workers' comp exemptions, but the rules depend on your state, your LLC structure, and whether you have employees.

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