Grow Green Insurance Services

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Owners Only Insurance (Owner Excluded)

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What is an Owner Only / Owner Excluded Workers’ Comp Insurance Policy?

An owners only, owners excluded workers’ comp policy is a minimum premium workers' comp program for businesses with no employees, subcontractors, or day labor.

Who is eligible?

  • Businesses with no employees, day laborers, or subcontractors.

  • Eligible Entities

  • Sole Proprietors, LLC’s, Non-contracting S-corps.

Class Codes

Most class codes are acceptable, however, there are some exclusions due to reinsurance treaty agreements. Give us a call to find out if your business qualifies for an owners only, owners excluded workers’ comp policy.

Employees

If the owner hires a W2 employee during the policy period, we must be notified of payroll. The policy premium will be subject to audit and adjusted accordingly. Upon renewal the business owner will be moved into the Plus Program.

*Please note that businesses using subcontractors or day labor are ineligible for the program.