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Alabama Workers Comp Info
State Exemption available? No
Alabama does not require workers compensation coverage, however, your customers or General Contractors may still require that you purchase coverage in order to protect them from claims. If you purchase a policy, officers/owners of a corporation do count as employees- and can choose whether or not to coverage themselves. Subcontractors don’t count as employees AS LONG AS they meet some or all of the following:
- separate business entity
- have their own insurance
- can choose when to come to work
- provide their own tools/transportation.
If any of these items do not apply, the state may consider them to be employees for workers comp purposes regardless of whether you give them a 1099.
When calculating your Alabama Workers Comp Quotes, keep in mind the following amounts if you choose to include any owners/officers in the coverage. Even if owners don’t draw a paycheck, these are the payroll amounts that will be counted for each owner who wants coverage.
-$41,300 for Sole Proprietors and Partners
-$41,600 Minimum and $166,400 Maximum for Officers