Workers Compensation Exemption Faqs
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.