FREE LOOKUP · NO SIGN-IN
Exemption rule finder
Owner-exemption rules turn on three things: your state, the legal entity you own through, and whether the work is construction. Set those three and this returns the rule verified against the state agency, plus the filing form and official sources. It never asks for a name, a business, or a quote.
Pick all three to see the verified rule for that combination.
- Count employees before removing an owner — a personal exemption usually does not remove that owner from the headcount that triggers company coverage.
- Construction rules are almost always stricter than non-construction rules in the same state.
- Re-check after the first hire, an ownership change, an officer change, or a policy renewal.
How to read the result
The finder mirrors the “owner treatment at a glance” and “filing reference” sections of each state guide. 50 states currently have the full structured panel; the rest show the state's key answer while their filing panel is finalized. In every case the full guide carries the agency links, statute citations, and the last source-check date.
What it deliberately does not do
- It does not tell you whether dropping coverage is a good idea. An exempt owner has no workers' compensation benefit for their own injury.
- It does not estimate premium savings. Savings depend on payroll, class code, and carrier, and are not a reason to file if the exemption does not actually apply.
- It does not file anything or connect you to an agent.