You can change owners’ coverage directly within the application. When you get to the "Let's meet the business owners" section, you'll see an option to select your desired coverage. Depending on the state's rules, the question will ask you whether you'd like to include or exclude a specific owner from coverage.
What's Required After You Purchase
To ensure your policy remains exactly as you’ve selected it, additional steps are required after you purchase your policy.
When you choose coverage that is different from your state’s default rule, we’ll send you the necessary paperwork to keep your policy as you’ve selected it. You must provide the required documentation—either signed forms or other authorization—to finalize the change.
What is a "State Default"?
Each state has a state default rule for how business owners are covered by workers' compensation insurance. Think of it as the automatic setting for your policy. For example, a state might have a default rule that says all owners are automatically included in coverage. If you want to exclude them, that's considered going against the state default and requires special documentation.