Insured Solutions
Insured Solutions

Can owners be excluded from covering themselves on workers’ comp?

Yes, owners can exclude themselves from workers’ comp, but it depends on whether they are classified as a corporation or a proprietorship.

There’s no problem excluding an owner when a policy is written directly with a carrier, but owners cannot be excluded in a PEO relationship. Most states do not allow the owner’s exclusion within a PEO since the only exclusions allowed are to the master policy holder, which is the PEO, not the PEO’s client.

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