Workers' Comp Exemption Filing for business owners

Processing times vary by state. Florida typically approves exemptions within a few weeks. Some states are faster. We file promptly after your documentation is ready and follow up with the state if processing takes longer than expected.

Typically: your business name, EIN, state of incorporation or registration, proof of ownership (percentage), industry type, and officer or member information. We'll tell you exactly what's needed for your specific state and situation.

We review the denial reason and advise whether you have grounds to correct and refile or appeal. Most denials result from documentation issues rather than eligibility problems — we help you fix and resubmit.

In many states, yes. Florida requires biennial renewal. We track your renewal date and proactively handle the refiling so your exemption stays valid without interruption.

Yes — most states have online filing portals. However, filing errors, missing documentation, and incorrect form selection are common pitfalls that lead to denials or delays. Our service eliminates that risk and ensures the filing is done correctly.

Some states charge a nominal filing fee ($50–$100). We coordinate the payment and handle all submission logistics on your behalf.

Our filing fees vary by state and complexity. State filing fees (if any) are typically $50–$100. We charge a service fee for handling the paperwork, documentation, and submission. Call us for current pricing — it's far less than the cost of a workers' comp policy.

Yes. Contractors Choice Agency is licensed in all 50 states and files workers' comp exemptions for sole proprietors, corporate officers, and LLC members nationwide.

Typically we can complete the filing within 1–3 business days of receiving your documentation. State processing times vary — Florida, for example, typically approves exemptions within a few weeks.

We review the denial reason, advise whether you have grounds to appeal or correct the filing, and help you pursue the right path — whether that's refiling, appealing, or placing a ghost policy in the interim.

A ghost policy and an exemption serve different purposes. An exemption removes you from WC requirements. A ghost policy gives you a COI while maintaining your exempt status. Many business owners use both — an exemption plus a ghost policy for COI purposes.

A.M. Best ratings reflect a carrier's financial strength. When we place alternative coverage or ghost policies for exempt business owners, we use A-rated carriers so the coverage is real and the COI will be accepted by general contractors and clients.

Yes. Occupational accident insurance is one of the primary alternatives for exempt business owners who want injury protection without workers' comp. We place occupational accident policies with carriers that specialize in this coverage.

We can review your current exemption status, confirm the filing is on record with your state, and check the renewal date. Many business owners discover their exemption lapsed when they get audited — we prevent that proactively.

Typically: your business name and EIN, state of operation, business structure (sole prop, LLC, corporation), ownership percentage, industry/work type, and the names and ownership percentages of all owners being exempted.

Generally no — your exemption is valid in the state where it was filed. If you work in multiple states, you may need exemptions in each state, or we may recommend a ghost policy that provides multi-state COI coverage.

Yes. Construction is the most common restricted industry — many states have stricter rules or exclusions for construction work. Some states also restrict exemptions in healthcare, staffing, and other high-hazard industries.

If you hire W-2 employees after filing an exemption, your exemption may no longer cover you — and workers' comp becomes required for your employees. We advise you on how to structure coverage when your workforce changes.

Once your exemption is approved and in effect, you can typically cancel the underlying workers' comp policy (if you had one). We advise on the correct timing and help you avoid lapses or penalties during the transition.