Blog & insights

Workers' comp exemptions, decoded by state

Plain-English guides on exemption rules that matter — LLC member filings, independent contractor classification, family business exclusions, Texas non-subscriber alternatives, and audit compliance.

LLC Member Workers' Comp Exemptions: How Every State Handles It Differently
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LLC Member ExemptionJune 10, 20267 min read

LLC Member Workers' Comp Exemptions: How Every State Handles It Differently

LLC member workers' comp exemptions vary dramatically by state — Florida exempts members in non-construction, California limits exemptions to corporate officers, and Texas has no mandatory coverage at all. This guide breaks down the rules so you know exactly where your LLC stands.

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Independent Contractor7 min read

Independent Contractor vs. Employee: Workers' Comp Classification Rules

Misclassifying an employee as an independent contractor is one of the most common and expensive workers' comp audit triggers. This guide explains the ABC test, the economic reality test, California's AB5 law, Florida's subcontractor documentation rules, and how to protect your business.

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Family Member Exemptions7 min read

Family Member Workers' Comp Exemptions: Spouse, Children, Parents

Many states allow family members — spouses, children, and parents — to be excluded from workers' comp in family-owned businesses. But the rules vary widely, the risks of an uninsured family injury are significant, and the definition of 'family business' differs from state to state.

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Alternative WC Solutions7 min read

Texas Workers' Comp Non-Subscriber: What It Means and What It Costs

Texas is the only state that doesn't require private employers to carry workers' comp. But Texas non-subscribers face serious common-law liability exposure, strict posting requirements, and real financial risk when workers are injured. Here's what the opt-out actually costs.

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Compliance Audit9 min read

Workers' Comp Exemption Audit: What Triggers a Review and How to Stay Compliant

A workers' comp exemption audit can void your exemption retroactively, impose stop-work orders, and trigger fines equal to years of avoided premium. Knowing what triggers an audit, what auditors look for, and how to prepare your records is the best protection.

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