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https://www.mass.gov/info-details/corporate-officers-and-sole-proprietors#:~:text=As%20a%20sole%20proprietor%20you%20are%20not%20required,However%2C%20employee%27s%20of%20your%20corporation%20must%20be%20covered.
https://www.businessinsuranceusa.com/news/insurance/company-officers-excluded-workers-comp/
To be really sure whether or not company officers should skip workers comp insurance, you should: Check state law and make sure your company allows officers to be excluded, and that your business qualifies Find out what officers need to do to be exempted Consider quotes both with and without executive coverage for workers compensation
https://www.thebalancesmb.com/workers-compensation-owners-partners-462798
https://workcompconsultant.com/workers-compensation-corporate-officers.htm
Some states provide that a corporation with only 2 corporate officers owning at least 10% stock, with no employees, are not required to have a workers comp policy. So you can see, the rules vary and whether or not coverage is required is state specific. You must check with your individual state for requirements that may apply to your situation.
https://lni.wa.gov/insurance/insurance-requirements/do-i-need-a-workers-comp-account/corporate-officers
All workers are covered by workers’ compensation insurance unless they meet strict exemption rules. Employees who are named as officers and don’t meet the criteria for exemption must be covered by workers’ compensation insurance. To be exempt, officers of a public corporation must meet all of the following criteria:
https://www.nfib.com/content/legal-compliance/legal/workers-compensation-laws-state-by-state-comparison-57181/
Executive officers and directors of corporations must be included in workers’ compensation coverage, unless the corporation is fully owned by the directors and officers. If the directors and officers fully own the corporation, they can choose to be excluded from coverage. Sole proprietors without employees can opt out of coverage. Options:
https://onpay.com/hr/basics/workers-comp-requirements-by-state
For instance, North Dakota, Ohio, Washington, West Virginia, and Wyoming require employers to get coverage through state-owned programs. The other 45 states will permit you to purchase your workers’ comp insurance through a licensed broker.
https://dwd.wisconsin.gov/dwd/publications/wc/wkc-13441-p.htm
Answer: A corporate officer is considered an employee and is covered by the Act. All worker's compensation policies covering corporations include corporate officers. However, in a closely-held corporation of not more than 10 stockholders, 1 …
https://www.mass.gov/service-details/workers-compensation-insurance-requirements
Corporate officers who own at least 25% interest in the corporation can request an exemption from workers’ compensation coverage This exemption does not apply to employees who are not corporate officers. They must still be covered. Additional Resources Request an exemption from workers’ compensation coverage
https://www.workerscompensationshop.com/workers-compensation-election-rejection-of-coverage
In most state, executive officers of a corporation are automatically included under a state’s workers compensation act by default. However, they may file for an exemption from coverage. Partners and sole proprietors are generally exempt from coverage under each states' act. They may elect to opt-in for coverage.
https://legalbeagle.com/13351668-is-workers-compensation-required-for-an-s-corp-owner.html
Businesses typically do not need to carry workers' compensation coverage for any employees who are shareholders. Owners of an S corporation who do not work in the business do not qualify as employees and would not be eligible for coverage.
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