Workers Compensation Exemption Faqs

State By State Guide


If I fill out a workers compensation exemption and then some one gets hurt, do I have coverage?

No.  If you do not purchase workers compensation insurance for your employees you do not have insurance coverage for injuries that occur on the job.


Does a ghost policy protect me from injury on the job?

No.  A ghost policy is an owner excluded, zero employee, zero payroll policy designed to provide absolutely no workers compensation insurance coverage.  It is a backdrop at best for injured subcontractors.


Do injured employees have to take a drug test if they are injured?

Yes, and there are a lot of laws that restrict workers compensation insurance benefits in the event an injured employee has alcohol or drugs in their system.