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Every workers' comp exemption scenario, explained by state.

Each guide below addresses a specific workers' comp exemption scenario — from the LLC member filing deadlines a Florida contractor needs to the AB5 reclassification risk a California business owner must understand.

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State-by-State Exemption Guide

The definitive resource for workers' comp exemption rules in every state — filing deadlines, eligible parties, renewal requirements, and the key differences between LLC member, corporate officer, family member, and independent contractor rules by state.

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LLC Member Exemption Rules

LLC member workers' comp exemptions vary widely by state — Florida exempts members in non-construction, California limits exemptions to officers, and Texas operates a non-subscriber system. We clarify the rules for single-member and multi-member LLCs in every state.

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Family Member Exemptions

Many states allow family members — spouses, children, and parents — to be excluded from workers' comp in family-owned businesses. The definition of 'family business' and qualifying relationships vary significantly by state.

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Independent Contractor Classification

Misclassifying employees as independent contractors is one of the most common and costly audit triggers. We break down the ABC test, the economic reality test, California AB5, and how each state determines who is truly an independent contractor.

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Corporate Officer Exemption

Corporate officers — presidents, vice presidents, secretaries, and treasurers — may elect to be excluded from workers' comp in most states, but the stock ownership requirements and officer count limits vary. Learn your state's rules.

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Seasonal Worker Coverage Rules

Seasonal and part-time workers create unique workers' comp compliance questions — when coverage is required, how winter layoffs affect policy audits, and whether short-term or H-2A agricultural workers qualify for exemptions.

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Alternative WC Solutions

For businesses that don't qualify for an exemption, alternatives exist — occupational accident insurance, professional employer organizations (PEOs), Texas non-subscriber coverage, and state fund options for hard-to-place risks.

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Exemption Compliance Audit

A workers' comp exemption can be voided retroactively if filed incorrectly, lapses due to missed renewal, or is challenged by a state auditor. Our compliance audit identifies risks in your exemption filings before an auditor does.

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Not sure which exemption applies to you?

Most business owners benefit from a quick exemption review before filing — we identify the right path for your state, business structure, and worker relationships.

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