Terms of Use

Workers' Comp Exemption Desk provides general educational research about workers' compensation owner exclusions, exemption filings, coverage thresholds, and related state compliance questions. The site does not sell insurance, issue exemption certificates, act as a state agency, or make an eligibility determination for a particular business.

Use of the guides

Workers' compensation rules can depend on entity type, ownership percentage, industry, worker classification, policy status, subcontractor relationships, and the state where work is performed. The guides are designed to help readers identify the questions and source materials to check; they are not a substitute for the current rule that applies to a specific set of facts.

Official sources control

State agencies, legislatures, commissions, boards, carriers, and licensing authorities may revise statutes, forms, thresholds, filing methods, or guidance after a page is published. The linked official source and the responsible agency's current instructions control over a summary on this site. Source-review dates show when a page's cited materials were last checked; they do not guarantee that no later change has occurred.

External resources

The site links to third-party and government websites for convenience and source verification. We do not control those websites, their availability, their content, or their privacy and security practices. An external link is not an endorsement of a commercial product or service.

Advertising

The site may display third-party advertising. Third-party vendors, including Google, may use cookies or similar technologies based on prior visits and non-personally identifiable usage information. Ad personalization can be managed at Google Ads Settings; additional industry opt-out choices are available at AboutAds.

Site content and changes

Original site text, layout, and editorial organization may not be republished as a substitute site without permission, except as allowed by applicable law. We may revise, remove, or reorganize content as source material changes or as the site is improved.