Topic

Business Insurance Costs

Workers comp, liability and audit bills for small businesses: what you actually need, owner exclusions, and how to challenge a premium or audit that looks wrong.

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Workers Comp With No Employees: Do Owners Need It?
Usually not by law, but GCs, licences and five California trades say otherwise. How owner exclusions, ghost policies and a $750 minimum premium work.
Sep 28, 2026 16 min

Workers Comp With No Employees: Do Owners Need It?