If you are incorporated, you are the only Officer and Director of the company, you are not paid a salary or wages on a regular basis at an agreed amount and you have 2 or fewer other employees and do not sub any work out, then there is a long complicated way to exclude yourself from counting as an employee so that the state only counts you as having 2 employees and therefore not required to carry Workers Compensation but that would require that you contact us to start the process. Until we completed that process, which can take up to 60 days, you would be required to carry Workers Compensation because the state considers you to have 3 employees.