Get Help With Your Exemption

Tell us about your business and we'll help you figure out what your state likely requires — and what coverage you may still need.

Advisor on a phone call taking notes for a client

Tell Us About Your Situation

Full Name*

Business Name*

Email Address*

Phone Number*

State Your Business Operates In*

Industry (e.g. construction, retail, consulting)

Business Entity Type*

Where Are You in the Process?*

Business details

What the business does and how long it has been running.

Year business started

Annual gross sales

Residential vs commercial split

New vs existing construction

Description of the business

Largest projects

Business address

Where your operation is based.

Street address

City

ZIP code

Payroll and class codes

Employees, payroll and how the work is classified.

Number of employees

Amount of payroll

Class code 1

Class code 2

Class code 3

Class code 4

Class code 5

Office vs field split

Any clerical staff?

Clerical staff — count and payroll

Any outside sales staff?

Sales staff — count and payroll

Prior year

Your last completed 12 months. Best estimates are fine.

Prior year gross sales

Prior year subcontractor expenses

Prior year employee count

Prior year employee payroll

Next twelve months — estimates

Projected figures for the coming policy period.

Estimated gross sales

Estimated subcontractor expenses

Estimated employee count

Estimated employee payroll

Estimated material costs

Coverage needed

Subcontractor insurance

How subcontracted work is covered.

Do your subcontractors carry their own insurance?

Percentage of subcontractors insured

Do you need coverage for uninsured subcontractors?

Current or prior coverage

Who covers you today, if anyone.

Current or prior carrier

Policy number

Policy expiration date

Owners and officers

Each owner or officer to be included or excluded.

Owner date of birth

Ownership percentage

Owners and officers

Tell Us More

Workers' compensation exemption rules are set by each state, and they change. This site is an educational resource, not legal, tax, or insurance advice, and it is not a substitute for confirming current rules with your state's workers' compensation board, Department of Insurance, or a licensed attorney or insurance professional. Contact us for licensing details in your state.