Workers Compensation

Are all on-the-job injuries covered by Workers' Compensation coverage? As a sole proprietor, officer, or partner, can I elect to be included or excluded from coverage on my policy? If I do not cooperate with the premium audit requirements of my policy, what happens? Do I need Workers’ Comp insurance coverage as a self-employed business owner? Does biBerk provide Workers' Comp insurance in my state? How is the cost (the premium) of a Workers' Compensation policy calculated? If my spouse and I are sole owners of our business and we do not have any employees do we need workers compensation coverage? If I use contractors instead of employees, do I still need workers' compensation insurance? Why do I need Workers Comp insurance? What does Workers' Compensation insurance cost? What does Workers' Compensation insurance not cover? What information and records will be needed to complete the audit? What is a premium audit and why is this process necessary? What is a Workers’ Comp audit and how does it work? What is an Experience Modification ("MOD")? How is a MOD determined? What is covered in a Workers Comp policy? What is considered payroll/remuneration? What is meant by Annual Employee Payroll? What is Workers Compensation insurance? Why is workers compensation an auditable policy?