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Exemption services built line-by-line for business owners.

Each service below addresses a specific workers' comp exemption situation — from the sole proprietor who needs a basic filing to the corporate officer navigating state-specific ownership requirements.

Essential coverage

Workers' Comp Exemption Filing

We handle the state exemption filing process from start to finish — correct forms, required documentation, and timely submission so your exemption is approved without delays or rejections.

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Sole Proprietor Exemption Guidance

Most states automatically exempt sole proprietors from workers' comp requirements — but there are important exceptions. We review your situation and advise whether you're truly exempt or at risk.

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Corporate Officer Exemption

Corporate officers often qualify to exempt themselves from workers' comp coverage. Requirements vary by state — ownership percentage, officer role, and industry all matter. We guide you through the process.

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LLC Member Exemption

LLC members may qualify for workers' comp exemptions depending on your state, LLC structure, and management type. We sort out the rules and file the right exemption for your situation.

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Exemption Eligibility Review

Not everyone qualifies for a workers' comp exemption — and filing incorrectly can trigger audits or penalties. We review your business structure, state, and industry to confirm eligibility before you file.

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Alternative Coverage When Exempt

Being exempt from workers' comp doesn't mean you should go without protection. We place occupational accident, health, and disability coverage for exempt business owners who still want injury protection.

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Ghost Policy / Minimum WC

A ghost policy (minimum premium workers' comp) lets exempt business owners obtain a certificate of insurance to satisfy contractor or client requirements — at a fraction of standard workers' comp cost.

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State Compliance & Certificates

Workers' comp exemption rules change. Annual renewals, industry-specific requirements, and state-level updates can catch business owners off guard. We keep you compliant and provide certificates when you need them.

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Not sure which exemption service you need?

Most business owners need an eligibility review first, then the right exemption filing. We'll figure out your situation in one call and get you compliant.

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