National reach. All 50 states, every exemption market.

Yes. If you work across state lines, we identify which states you need exemptions in, which states require you to carry WC regardless, and how to structure your coverage and filing so you're compliant everywhere you work.

Yes. We track exemption rules in all active states — Florida's two-year renewal cycle, Arizona's ICA requirements, Texas's non-subscriber framework, Georgia's State Board process, and more. State rules change; we stay current.

We handle exemptions for business owners — sole proprietors, LLC members, and corporate officers. Employees are not eligible for WC exemptions in most states. If you need to cover your crew, we can place a workers' comp policy for them separately.

State filing fees vary — Florida charges $50 per certificate. Our service fee covers preparation, submission, and tracking. We quote the total cost up front, no surprises.

Yes. Contractors Choice Agency advises on exemption eligibility in all 50 states and files in every state with a formal exemption or election process.

Florida exemptions typically issue within 1–3 business days. Other states vary. We file same-day on receipt of your information and track status until your certificate arrives.

Often yes. Denials usually stem from incomplete applications or a business structure mismatch. We review what went wrong and refile correctly.

Yes. Many contractors who file exemptions choose occupational accident insurance as an alternative to WC for themselves. We can place that alongside your exemption filing in one call.

A Texas non-subscriber has opted out of the state workers' comp system. Non-subscribers can be sued for negligence without standard WC defenses. We help Texas contractors understand the risk and choose the right alternative.

In most states, yes. LLC members and corporate officers can each file individual exemptions. The ownership percentage, active-work requirements, and form vary by state.

We track your expiration date and send you an advance alert before renewal is due. Florida exemptions expire every two years; other states vary.

No. An exemption removes you from the WC system; it doesn't limit a third party's ability to sue you for negligence on a job site. General liability still matters.

A prior claim doesn't disqualify you from filing an exemption — eligibility is based on your business structure and state rules, not claim history.

Some GCs require all subs to carry WC regardless of exemption status. We can place a workers' comp policy for you if a client specifically requires coverage rather than a certificate.

Your state, business structure (sole prop, LLC, S-corp), trade type, owner count, Federal EIN, and contractor license number where applicable. A 15-minute call covers it all.

Yes. Occupational accident insurance provides medical and disability benefits at a fraction of WC cost and is often the right solution for owners who file exemptions but want some injury protection.

Your exemption covers you as an owner — employees hired after the fact still need workers' comp coverage unless they file their own exemptions. We handle both.