For our firm with two owners and ten staff, we have been prohibited from carrying Workers' Compensation coverage on anyone that has significant ownership.
 587 3800 ryangrouparchitects.com
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My firm has two partners and 6 staff members. The partners aren't covered by Worker's Comp, only the employees. You might want to check with your insurance company. It would be a shame to pay for something you won't receive benefits for.
Pamela Gillen, AIA
103 W. Broad St. Suite 200
Falls Church, VA 22046
My wife and I are partners and only employees of our firm. A few years back we had a public client and their overseeing agency had asked for our workers compensation coverage. We checked into it and we were not required to have the coverage as long as we provided a letter to the agency stating that we were the only employees and for that reason we did not have workers compensation coverage which we did.
John Fallon, AIA
399 Broad Street
Bloomfield, New Jersey 07003
Check with your state. Most cases the owner is not required to have workers comp. I had one client that insisted that I have workers comp, even though not required by state I am in. I simply billed them for it.
Sean J Bujold, AIA