Does Workers’ Comp Cover Owners?
Workers’ comp covers an owner only when state law and the policy include them, often through an election or endorsement.
New York allows some owners to include themselves and exempts certain owner categories when they have no employees. Your legal role and state law affect whether an owner is included by default or must elect coverage.
Check each owner’s status, state-specific election or exclusion form, payroll basis, and policy declarations. Confirm the treatment separately for every owner who works in the business.
