North Carolina LLC Member Exemption: Your “Paper Shield” Will Fail You
North Carolina Workers' Comp: LLC Member Exemption and the Coverage Gap Quick Takeaways The Coverage Gap: North Carolina LLC members are excluded from workers' comp by default and do not count toward the three-employee threshold....
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North Carolina 3-Employee Rule: Is Your Small Business a ticking time bomb?
The North Carolina Three-Employee Rule: A Small Business Landmine Quick Takeaways The Trap: Thinking you're too small for workers' comp? That's a dangerous assumption. In North Carolina, officers and family members count toward the three-employee...
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Nevada Workers’ Comp: Are You Paying for “Ghost” Coverage?
Nevada Workers' Comp Officer Exemption: Mandatory Inclusion and the Exclusion Filing Quick Takeaways The Default: Nevada corporate officers are included in mandatory workers' comp coverage by default. Premium is owed on the officer's wages until...
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New York’s New Mental Injury Law: Are You Prepared for 2025?
The New York Mental Injury Trap Quick Takeaways * The Trap: Thinking mental injuries aren't covered without physical trauma. Everything changed on January 1, 2025. * The New Rule: New York now allows mental injury...
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Pennsylvania Workers’ Comp Mod: Is Your Business Overpaying?
The Pennsylvania Mod Calculation Trap Quick Takeaways * The Trap: Assuming Pennsylvania uses the same NCCI math as most other states. * The Rule: Pennsylvania is an Independent Bureau state governed by the PCRB. *...
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South Carolina Mental Injury Claims: The “Extraordinary Stress” Trap
The South Carolina Mental Injury Trap Quick Takeaways * The Trap: Thinking "Ordinary Stress" is covered in South Carolina. It isn't. * The Rule: Under Section 42-1-160(b), a mental injury is only compensable if it...
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