Typically, if a sole proprietor has no employees, he/she is not required to have workers’ comp coverage. Additionally, partners and members of LLCs are not counted as employees and are therefore not required to have workers’ compensation. However, officers of a corporation are counted as employees (although they may choose to waive workers’ comp). Employee classification can get tricky when it comes to insurance and benefits – Hartsoe & Associates helps employers untangle the red tape... read more