Owner/Officer Exclusion

Leaving owners or officers off workers’ comp coverage (where allowed) to save premium — they give up their own comp benefits in exchange.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.