The State Default determines how states regulate owners' coverage within a Workers' Compensation policy based on the structure of your business.
If you did not wish to bind your policy using the state default, you will need to update your coverage. A signed form from the insured is required to adjust the coverage.
When purchasing a policy, customers can only bind coverage that follows the state default regarding owners’ inclusion or exclusion in a WC policy. To make changes to this coverage, you must submit a request and complete the required form.
To request a form from the app:
1. Log in to your account
2. Click “Account”
3. Select “My business”
4. In the People section under Owners and Officers click the link “If you would like to make changes to this coverage, send us a request”
To request a form from the website:
1. Log in to your account
2. Click the “Account” tab
3. Select “My business”
4. In the People section under Owners and Officers click the link “If you would like to make changes to this coverage, send us a request”
After you click this link an automated email will be sent to you concerning the request. Once you send a response an insurance advisor will review your request. You will have 30 days + 5 days grace period from the effective date to make this change. This change will likely result in a change in price. We will communicate this to you during the process. You will receive a confirmation email when the change goes into effect.