Officer \/ Owner Exclusion from Workers’ Comp: How It Works<\/title>\n<meta name=\"description\" content=\"An officer or owner exclusion removes a business owner from workers' comp coverage and from the premium base. Learn how it differs from an exemption, who qualifies, the costs, and when it makes sense.\">\n<style>\n\nh1{font-size:30px;line-height:1.25}h2{font-size:22px;margin-top:34px}h3{font-size:17px}\n.direct-answer{background:#f2f3f7;border-left:4px solid #6c5ce7;padding:14px 18px;font-size:18px}\n.cta{background:#eaf7dd;border:1px solid #7bc043;border-radius:10px;padding:16px 20px;margin:26px 0}\n.cta strong{display:block;font-size:18px;margin-bottom:4px}\n.ctalink{background:#fff3cd;border-bottom:1px dashed #b8860b;padding:0 3px}\n.disclaimer{font-size:13px;color:#555;border-top:1px solid #dfe2ec;margin-top:40px;padding-top:14px;font-style:italic}\n.faq h3{margin-bottom:2px}\ntable{border-collapse:collapse;width:100%;margin:18px 0}th,td{border:1px solid #dfe2ec;padding:8px 10px;text-align:left;font-size:15px}th{background:#1f2a44;color:#fff}\n<\/style>\n<\/head>\n<body>\n\n<p class=\"direct-answer\">Una exclusi\u00f3n de oficial o propietario elimina a un oficial corporativo, socio o miembro de una LLC de una p\u00f3liza de compensaci\u00f3n para trabajadores, para que no se les cuente como un trabajador cubierto y sus salarios se deduzcan del c\u00e1lculo de la prima. El propietario excluido renuncia al derecho a los beneficios de compensaci\u00f3n para trabajadores por sus propias lesiones a cambio de una prima m\u00e1s baja. Es una herramienta leg\u00edtima para ahorrar costos, pero solo se aplica a los propietarios que califican, nunca a los empleados.<\/p>\n\n<p>La mayor\u00eda de los propietarios quieren saber una cosa: \u00bfpuedo exluirme a m\u00ed mismo de mi propia p\u00f3liza de compensaci\u00f3n para trabajadores para ahorrar dinero? En la mayor\u00eda de los estados, incluida Florida, la respuesta es s\u00ed, a trav\u00e9s de una exclusi\u00f3n de oficial o propietario. Si se hace deliberadamente, reduce su prima. Si se hace sin comprender la contrapartida, le deja personalmente expuesto a una lesi\u00f3n grave. Aqu\u00ed se explica c\u00f3mo sopesarlo.<\/p>\n\n<h2>\u00bfQu\u00e9 es una exclusi\u00f3n de oficiales o propietarios?<\/h2>\n<p>Por defecto, los propietarios que trabajan activamente en el negocio a menudo son tratados como personas cubiertas en la p\u00f3liza de compensaci\u00f3n para trabajadores, lo que significa que su n\u00f3mina se incluye en el c\u00e1lculo de la prima. Una exclusi\u00f3n es una elecci\u00f3n formal que saca al propietario <em>fuera<\/em> de ese c\u00e1lculo. Como sus salarios ya no cuentan, la pol\u00edtica cuesta menos.<\/p>\n<p>El compromiso es tajante: un propietario excluido no puede cobrar beneficios del seguro de compensaci\u00f3n, si se lesiona en el trabajo. En lugar de eso, recurren a su seguro de salud personal, cobertura por discapacidad o a sus propios ahorros. Tambi\u00e9n hay un matiz de prima que vale la pena conocer, cuando un propietario se queda <em>incluido<\/em>, Florida aplica un salario m\u00ednimo para los directivos (en 2026, $33 800 para el sector de la construcci\u00f3n y $67 600 para otros sectores) a la base de la prima, incluso si el propietario percibi\u00f3 en realidad una cantidad inferior. Al excluirte a ti mismo, se elimina ese m\u00ednimo. Si quieres ver c\u00f3mo influye la n\u00f3mina en la cifra, nuestro desglose de <a href=\"https:\/\/peopaygo.com\/es\/2022\/05\/23\/how-to-calculate-workers-comp-cost-per-employee\/\">c\u00f3mo se calcula el costo del seguro de compensaci\u00f3n para trabajadores por empleado<\/a> muestra la mec\u00e1nica.<\/p>\n\n<h2>Exclusi\u00f3n vs. exenci\u00f3n: \u00bfcu\u00e1l es la diferencia?<\/h2>\n<p>La gente usa estas palabras indistintamente y, en la pr\u00e1ctica, llegan a un resultado similar, manteniendo al propietario fuera de la cobertura, pero el mecanismo difiere:<\/p>\n<table>\n<tr><th>Concepto<\/th><th>Qu\u00e9 es<\/th><\/tr>\n<tr><td><strong>Exclusi\u00f3n<\/strong><\/td><td>Una elecci\u00f3n manejada con tu <em>aseguradora<\/em> en la p\u00f3liza en s\u00ed, el removal de un propietario\/oficial de la cobertura y de la base de la prima.<\/td><\/tr>\n<tr><td><strong>Exenci\u00f3n<\/strong><\/td><td>A <em>presentado por el estado<\/em> estatus (en Florida, a trav\u00e9s de la Divisi\u00f3n de Compensaci\u00f3n para Trabajadores) que certifica que un propietario\/funcionario calificado est\u00e1 exento del requisito de cobertura, a veces con una tarifa y un ciclo de renovaci\u00f3n.<\/td><\/tr>\n<\/table>\n<p>En Florida, concretamente, los propietarios suelen formalizar su \u201cexclusi\u00f3n voluntaria\u201d a trav\u00e9s del proceso de exenci\u00f3n estatal, que conlleva una tasa de $50 en el momento de la contrataci\u00f3n y se renueva cada dos a\u00f1os. En otros estados, la exclusi\u00f3n puede figurar \u00edntegramente en la p\u00f3liza. La denominaci\u00f3n importa menos que el fondo: qui\u00e9n queda excluido de la cobertura y a qu\u00e9 coste.<\/p>\n\n<h2>\u00bfQui\u00e9n puede ser excluido?<\/h2>\n<ul>\n<li><strong>Oficiales corporativos<\/strong> son los candidatos m\u00e1s comunes.<\/li>\n<li><strong>Miembros de la LLC<\/strong> Quienes posean y gestionen activamente la empresa suelen poder optar por la exenci\u00f3n, siempre que cumplan los requisitos m\u00ednimos de participaci\u00f3n (en Florida, una participaci\u00f3n de al menos 10%).<\/li>\n<li><strong>Propietarios \u00fanicos y socios<\/strong> se manejan de manera diferente seg\u00fan el estado y si la obra est\u00e1 en construcci\u00f3n.<\/li>\n<\/ul>\n<p>Los sectores de alto riesgo se enfrentan a l\u00edmites m\u00e1s estrictos. En el sector de la construcci\u00f3n de Florida, no pueden quedar exentos m\u00e1s de tres directivos por empresa, y cada uno de ellos debe poseer al menos 10%. Los aut\u00f3nomos del sector de la construcci\u00f3n, por lo general, no pueden acogerse a la exenci\u00f3n como lo hacen los propietarios de otros sectores, ya que la normativa trata el riesgo de la construcci\u00f3n de forma mucho m\u00e1s conservadora. Si trabajas por cuenta propia, nuestra gu\u00eda sobre <a href=\"https:\/\/peopaygo.com\/es\/2026\/06\/02\/workers-comp-for-sole-proprietors-do-you-need-it\/\">compensaci\u00f3n para trabajadores para propietarios \u00fanicos<\/a> cubre tu situaci\u00f3n espec\u00edfica.<\/p>\n\n<div class=\"cta\">\n<strong>\u00bfQuieres ver cu\u00e1nto ahorrar\u00edas si te excluyeras?<\/strong>\nObt\u00e9n una cotizaci\u00f3n r\u00e1pida de pago por uso con y sin cobertura de propietario y compara los n\u00fameros uno al lado del otro.\n<a href=\"https:\/\/peopaygo.com\/es\/get-rate-exchange-blogs\/u\/step-1\/\">Obtener una cotizaci\u00f3n<\/a>\n<\/div>\n\n<h2>\u00bfCu\u00e1ndo tiene sentido una exclusi\u00f3n y cu\u00e1ndo no?<\/h2>\n<p><strong>Puede tener sentido cuando<\/strong> el propietario realiza poco o ning\u00fan trabajo f\u00edsico pr\u00e1ctico, tiene una cobertura s\u00f3lida para salud personal y discapacidad, y desea reducir la prima en un margen reducido. Un propietario en gran medida basado en la oficina de un negocio no relacionado con la construcci\u00f3n es un candidato t\u00edpico.<\/p>\n<p><strong>Es riesgoso cuando<\/strong> El propietario es quien realiza el trabajo peligroso. Considere al propietario de una empresa de techado que se excluye a s\u00ed mismo para ahorrar en la prima y luego se cae de una escalera. Sin compensaci\u00f3n para trabajadores que lo respalde, cada factura m\u00e9dica y cada semana de ingresos perdidos salen de su bolsillo. Para los operadores propietarios en las oficios, el ahorro en primas rara vez compensa esa exposici\u00f3n, y mantenerse cubierto suele ser la decisi\u00f3n m\u00e1s inteligente, incluso a un costo mayor.<\/p>\n<p>Un t\u00e9rmino medio pr\u00e1ctico que muchos propietarios de alto riesgo pasan por alto: mant\u00e9nganse cubiertos, pero controlen el costo total con una estructura de pago por uso para que paguen una prima contra la n\u00f3mina real y actual, en lugar de una estimaci\u00f3n inflada.<\/p>\n\n<div class=\"cta\">\n<strong>\u00bfNo est\u00e1s seguro de si excluirte o cubrirte?<\/strong>\nUn especialista de PEOPAYGO puede modelar ambos escenarios para su negocio y nivel de riesgo, sin un gran costo inicial en ninguno de los casos.\n<a href=\"https:\/\/peopaygo.com\/es\/get-rate-exchange-blogs\/u\/step-1\/\">Habla con un especialista<\/a>\n<\/div>\n\n<div class=\"faq\">\n<h2>Preguntas Frecuentes<\/h2>\n<h3>\u00bfEs una exclusi\u00f3n de propietario lo mismo que una exenci\u00f3n?<\/h3>\n<p>No exactamente. Una exclusi\u00f3n es una elecci\u00f3n a nivel de p\u00f3liza con tu aseguradora; una exenci\u00f3n es un estado registrado ante el estado. Ambos producen un resultado similar, manteniendo al propietario fuera de la cobertura, pero utilizan procesos diferentes dependiendo de tu estado.<\/p>\n<h3>\u00bfExcluirme a m\u00ed mismo reduce mi prima?<\/h3>\n<p>Por lo general s\u00ed. Sus salarios se eliminan del c\u00e1lculo de la prima y usted evita la n\u00f3mina m\u00ednima del oficial que de otra manera se aplicar\u00eda si permaneciera incluido. Los ahorros dependen de su n\u00f3mina y c\u00f3digo de clase.<\/p>\n<h3>\u00bfPuedo despedir a mis empleados para ahorrar dinero?<\/h3>\n<p>No. Las exclusiones y exenciones solo se aplican a los propietarios y directivos que cumplan los requisitos. Los empleados deben estar cubiertos seg\u00fan los requisitos de su estado, y su n\u00f3mina se a\u00f1adir\u00e1 a su p\u00f3liza en la auditor\u00eda.<\/p>\n<h3>\u00bfCu\u00e1ntos oficiales pueden ser excluidos?<\/h3>\n<p>Depende de cada estado y sector. En el sector de la construcci\u00f3n de Florida, el l\u00edmite m\u00e1ximo es de tres directivos, cada uno de los cuales debe poseer al menos 10%. En otros sectores, la normativa es m\u00e1s flexible. Consulta los l\u00edmites vigentes en tu estado.<\/p>\n<h3>Si me excluyen y me lesiono, \u00bfqu\u00e9 pasa?<\/h3>\n<p>No recibir\u00eda beneficios de compensaci\u00f3n para trabajadores por esa lesi\u00f3n y depender\u00eda de su propio seguro m\u00e9dico, cobertura por discapacidad o fondos personales.<\/p>\n<\/div>\n\n<p class=\"disclaimer\">Este art\u00edculo tiene fines informativos generales \u00fanicamente y no constituye asesoramiento legal, financiero o de seguros. Las reglas de exclusi\u00f3n y exenci\u00f3n, las tarifas, los umbrales de propiedad y los m\u00ednimos de n\u00f3mina var\u00edan seg\u00fan el estado y la industria y cambian con el tiempo. Confirme los requisitos actuales con la autoridad de compensaci\u00f3n de trabajadores de su estado o con un profesional con licencia antes de tomar decisiones de cobertura.<\/p>\n\n<\/body>\n<\/html>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Officer \/ Owner Exclusion from Workers’ Comp: How It Works An officer or owner exclusion removes a corporate officer, partner, or LLC member from a workers’ compensation policy, so they aren’t counted as a covered worker and their wages are taken out of the premium calculation. The excluded owner gives up the right to workers’ … <a href=\"https:\/\/peopaygo.com\/es\/2026\/07\/22\/officer-owner-exclusion-from-workers-comp-how-it-works\/\">Contin\u00faa en<\/a><\/p>","protected":false},"author":10,"featured_media":18642,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-18647","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-workers-comp"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t<meta name=\"description\" content=\"Officer \/ Owner Exclusion from Workers\u2019 Comp: How It Works An officer or owner exclusion removes a corporate officer, partner, or LLC member from a workers\u2019 compensation policy, so they aren\u2019t counted as a covered worker and their wages are taken out of the premium calculation. 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\n\t\t\t\t\t\t\t\t\t\n\n\n\n\nOfficer \/ Owner Exclusion from Workers’ Comp: How It Works<\/title>\n<meta name=\"description\" content=\"An officer or owner exclusion removes a business owner from workers' comp coverage and from the premium base. Learn how it differs from an exemption, who qualifies, the costs, and when it makes sense.\">\n<style>\n\nh1{font-size:30px;line-height:1.25}h2{font-size:22px;margin-top:34px}h3{font-size:17px}\n.direct-answer{background:#f2f3f7;border-left:4px solid #6c5ce7;padding:14px 18px;font-size:18px}\n.cta{background:#eaf7dd;border:1px solid #7bc043;border-radius:10px;padding:16px 20px;margin:26px 0}\n.cta strong{display:block;font-size:18px;margin-bottom:4px}\n.ctalink{background:#fff3cd;border-bottom:1px dashed #b8860b;padding:0 3px}\n.disclaimer{font-size:13px;color:#555;border-top:1px solid #dfe2ec;margin-top:40px;padding-top:14px;font-style:italic}\n.faq h3{margin-bottom:2px}\ntable{border-collapse:collapse;width:100%;margin:18px 0}th,td{border:1px solid #dfe2ec;padding:8px 10px;text-align:left;font-size:15px}th{background:#1f2a44;color:#fff}\n<\/style>\n<\/head>\n<body>\n\n<p class=\"direct-answer\">Una exclusi\u00f3n de oficial o propietario elimina a un oficial corporativo, socio o miembro de una LLC de una p\u00f3liza de compensaci\u00f3n para trabajadores, para que no se les cuente como un trabajador cubierto y sus salarios se deduzcan del c\u00e1lculo de la prima. El propietario excluido renuncia al derecho a los beneficios de compensaci\u00f3n para trabajadores por sus propias lesiones a cambio de una prima m\u00e1s baja. Es una herramienta leg\u00edtima para ahorrar costos, pero solo se aplica a los propietarios que califican, nunca a los empleados.<\/p>\n\n<p>La mayor\u00eda de los propietarios quieren saber una cosa: \u00bfpuedo exluirme a m\u00ed mismo de mi propia p\u00f3liza de compensaci\u00f3n para trabajadores para ahorrar dinero? En la mayor\u00eda de los estados, incluida Florida, la respuesta es s\u00ed, a trav\u00e9s de una exclusi\u00f3n de oficial o propietario. Si se hace deliberadamente, reduce su prima. Si se hace sin comprender la contrapartida, le deja personalmente expuesto a una lesi\u00f3n grave. Aqu\u00ed se explica c\u00f3mo sopesarlo.<\/p>\n\n<h2>\u00bfQu\u00e9 es una exclusi\u00f3n de oficiales o propietarios?<\/h2>\n<p>Por defecto, los propietarios que trabajan activamente en el negocio a menudo son tratados como personas cubiertas en la p\u00f3liza de compensaci\u00f3n para trabajadores, lo que significa que su n\u00f3mina se incluye en el c\u00e1lculo de la prima. Una exclusi\u00f3n es una elecci\u00f3n formal que saca al propietario <em>fuera<\/em> de ese c\u00e1lculo. Como sus salarios ya no cuentan, la pol\u00edtica cuesta menos.<\/p>\n<p>El compromiso es tajante: un propietario excluido no puede cobrar beneficios del seguro de compensaci\u00f3n, si se lesiona en el trabajo. En lugar de eso, recurren a su seguro de salud personal, cobertura por discapacidad o a sus propios ahorros. Tambi\u00e9n hay un matiz de prima que vale la pena conocer, cuando un propietario se queda <em>incluido<\/em>, Florida aplica un salario m\u00ednimo para los directivos (en 2026, $33 800 para el sector de la construcci\u00f3n y $67 600 para otros sectores) a la base de la prima, incluso si el propietario percibi\u00f3 en realidad una cantidad inferior. Al excluirte a ti mismo, se elimina ese m\u00ednimo. Si quieres ver c\u00f3mo influye la n\u00f3mina en la cifra, nuestro desglose de <a href=\"https:\/\/peopaygo.com\/es\/2022\/05\/23\/how-to-calculate-workers-comp-cost-per-employee\/\">c\u00f3mo se calcula el costo del seguro de compensaci\u00f3n para trabajadores por empleado<\/a> muestra la mec\u00e1nica.<\/p>\n\n<h2>Exclusi\u00f3n vs. exenci\u00f3n: \u00bfcu\u00e1l es la diferencia?<\/h2>\n<p>La gente usa estas palabras indistintamente y, en la pr\u00e1ctica, llegan a un resultado similar, manteniendo al propietario fuera de la cobertura, pero el mecanismo difiere:<\/p>\n<table>\n<tr><th>Concepto<\/th><th>Qu\u00e9 es<\/th><\/tr>\n<tr><td><strong>Exclusi\u00f3n<\/strong><\/td><td>Una elecci\u00f3n manejada con tu <em>aseguradora<\/em> en la p\u00f3liza en s\u00ed, el removal de un propietario\/oficial de la cobertura y de la base de la prima.<\/td><\/tr>\n<tr><td><strong>Exenci\u00f3n<\/strong><\/td><td>A <em>presentado por el estado<\/em> estatus (en Florida, a trav\u00e9s de la Divisi\u00f3n de Compensaci\u00f3n para Trabajadores) que certifica que un propietario\/funcionario calificado est\u00e1 exento del requisito de cobertura, a veces con una tarifa y un ciclo de renovaci\u00f3n.<\/td><\/tr>\n<\/table>\n<p>En Florida, concretamente, los propietarios suelen formalizar su \u201cexclusi\u00f3n voluntaria\u201d a trav\u00e9s del proceso de exenci\u00f3n estatal, que conlleva una tasa de $50 en el momento de la contrataci\u00f3n y se renueva cada dos a\u00f1os. En otros estados, la exclusi\u00f3n puede figurar \u00edntegramente en la p\u00f3liza. La denominaci\u00f3n importa menos que el fondo: qui\u00e9n queda excluido de la cobertura y a qu\u00e9 coste.<\/p>\n\n<h2>\u00bfQui\u00e9n puede ser excluido?<\/h2>\n<ul>\n<li><strong>Oficiales corporativos<\/strong> son los candidatos m\u00e1s comunes.<\/li>\n<li><strong>Miembros de la LLC<\/strong> Quienes posean y gestionen activamente la empresa suelen poder optar por la exenci\u00f3n, siempre que cumplan los requisitos m\u00ednimos de participaci\u00f3n (en Florida, una participaci\u00f3n de al menos 10%).<\/li>\n<li><strong>Propietarios \u00fanicos y socios<\/strong> se manejan de manera diferente seg\u00fan el estado y si la obra est\u00e1 en construcci\u00f3n.<\/li>\n<\/ul>\n<p>Los sectores de alto riesgo se enfrentan a l\u00edmites m\u00e1s estrictos. En el sector de la construcci\u00f3n de Florida, no pueden quedar exentos m\u00e1s de tres directivos por empresa, y cada uno de ellos debe poseer al menos 10%. Los aut\u00f3nomos del sector de la construcci\u00f3n, por lo general, no pueden acogerse a la exenci\u00f3n como lo hacen los propietarios de otros sectores, ya que la normativa trata el riesgo de la construcci\u00f3n de forma mucho m\u00e1s conservadora. Si trabajas por cuenta propia, nuestra gu\u00eda sobre <a href=\"https:\/\/peopaygo.com\/es\/2026\/06\/02\/workers-comp-for-sole-proprietors-do-you-need-it\/\">compensaci\u00f3n para trabajadores para propietarios \u00fanicos<\/a> cubre tu situaci\u00f3n espec\u00edfica.<\/p>\n\n<div class=\"cta\">\n<strong>\u00bfQuieres ver cu\u00e1nto ahorrar\u00edas si te excluyeras?<\/strong>\nObt\u00e9n una cotizaci\u00f3n r\u00e1pida de pago por uso con y sin cobertura de propietario y compara los n\u00fameros uno al lado del otro.\n<a href=\"https:\/\/peopaygo.com\/es\/get-rate-exchange-blogs\/u\/step-1\/\">Obtener una cotizaci\u00f3n<\/a>\n<\/div>\n\n<h2>\u00bfCu\u00e1ndo tiene sentido una exclusi\u00f3n y cu\u00e1ndo no?<\/h2>\n<p><strong>Puede tener sentido cuando<\/strong> el propietario realiza poco o ning\u00fan trabajo f\u00edsico pr\u00e1ctico, tiene una cobertura s\u00f3lida para salud personal y discapacidad, y desea reducir la prima en un margen reducido. Un propietario en gran medida basado en la oficina de un negocio no relacionado con la construcci\u00f3n es un candidato t\u00edpico.<\/p>\n<p><strong>Es riesgoso cuando<\/strong> El propietario es quien realiza el trabajo peligroso. Considere al propietario de una empresa de techado que se excluye a s\u00ed mismo para ahorrar en la prima y luego se cae de una escalera. Sin compensaci\u00f3n para trabajadores que lo respalde, cada factura m\u00e9dica y cada semana de ingresos perdidos salen de su bolsillo. Para los operadores propietarios en las oficios, el ahorro en primas rara vez compensa esa exposici\u00f3n, y mantenerse cubierto suele ser la decisi\u00f3n m\u00e1s inteligente, incluso a un costo mayor.<\/p>\n<p>Un t\u00e9rmino medio pr\u00e1ctico que muchos propietarios de alto riesgo pasan por alto: mant\u00e9nganse cubiertos, pero controlen el costo total con una estructura de pago por uso para que paguen una prima contra la n\u00f3mina real y actual, en lugar de una estimaci\u00f3n inflada.<\/p>\n\n<div class=\"cta\">\n<strong>\u00bfNo est\u00e1s seguro de si excluirte o cubrirte?<\/strong>\nUn especialista de PEOPAYGO puede modelar ambos escenarios para su negocio y nivel de riesgo, sin un gran costo inicial en ninguno de los casos.\n<a href=\"https:\/\/peopaygo.com\/es\/get-rate-exchange-blogs\/u\/step-1\/\">Habla con un especialista<\/a>\n<\/div>\n\n<div class=\"faq\">\n<h2>Preguntas Frecuentes<\/h2>\n<h3>\u00bfEs una exclusi\u00f3n de propietario lo mismo que una exenci\u00f3n?<\/h3>\n<p>No exactamente. Una exclusi\u00f3n es una elecci\u00f3n a nivel de p\u00f3liza con tu aseguradora; una exenci\u00f3n es un estado registrado ante el estado. Ambos producen un resultado similar, manteniendo al propietario fuera de la cobertura, pero utilizan procesos diferentes dependiendo de tu estado.<\/p>\n<h3>\u00bfExcluirme a m\u00ed mismo reduce mi prima?<\/h3>\n<p>Por lo general s\u00ed. Sus salarios se eliminan del c\u00e1lculo de la prima y usted evita la n\u00f3mina m\u00ednima del oficial que de otra manera se aplicar\u00eda si permaneciera incluido. Los ahorros dependen de su n\u00f3mina y c\u00f3digo de clase.<\/p>\n<h3>\u00bfPuedo despedir a mis empleados para ahorrar dinero?<\/h3>\n<p>No. Las exclusiones y exenciones solo se aplican a los propietarios y directivos que cumplan los requisitos. Los empleados deben estar cubiertos seg\u00fan los requisitos de su estado, y su n\u00f3mina se a\u00f1adir\u00e1 a su p\u00f3liza en la auditor\u00eda.<\/p>\n<h3>\u00bfCu\u00e1ntos oficiales pueden ser excluidos?<\/h3>\n<p>Depende de cada estado y sector. En el sector de la construcci\u00f3n de Florida, el l\u00edmite m\u00e1ximo es de tres directivos, cada uno de los cuales debe poseer al menos 10%. En otros sectores, la normativa es m\u00e1s flexible. Consulta los l\u00edmites vigentes en tu estado.<\/p>\n<h3>Si me excluyen y me lesiono, \u00bfqu\u00e9 pasa?<\/h3>\n<p>No recibir\u00eda beneficios de compensaci\u00f3n para trabajadores por esa lesi\u00f3n y depender\u00eda de su propio seguro m\u00e9dico, cobertura por discapacidad o fondos personales.<\/p>\n<\/div>\n\n<p class=\"disclaimer\">Este art\u00edculo tiene fines informativos generales \u00fanicamente y no constituye asesoramiento legal, financiero o de seguros. Las reglas de exclusi\u00f3n y exenci\u00f3n, las tarifas, los umbrales de propiedad y los m\u00ednimos de n\u00f3mina var\u00edan seg\u00fan el estado y la industria y cambian con el tiempo. Confirme los requisitos actuales con la autoridad de compensaci\u00f3n de trabajadores de su estado o con un profesional con licencia antes de tomar decisiones de cobertura.<\/p>\n\n<\/body>\n<\/html>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Officer \/ Owner Exclusion from Workers’ Comp: How It Works An officer or owner exclusion removes a corporate officer, partner, or LLC member from a workers’ compensation policy, so they aren’t counted as a covered worker and their wages are taken out of the premium calculation. The excluded owner gives up the right to workers’ … <a href=\"https:\/\/peopaygo.com\/es\/2026\/07\/22\/officer-owner-exclusion-from-workers-comp-how-it-works\/\">Contin\u00faa en<\/a><\/p>","protected":false},"author":10,"featured_media":18642,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-18647","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-workers-comp"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t<meta name=\"description\" content=\"Officer \/ Owner Exclusion from Workers\u2019 Comp: How It Works An officer or owner exclusion removes a corporate officer, partner, or LLC member from a workers\u2019 compensation policy, so they aren\u2019t counted as a covered worker and their wages are taken out of the premium calculation. 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The excluded owner gives up the right to workers\u2019","inLanguage":"es-ES","isPartOf":{"@id":"https:\/\/peopaygo.com\/es\/#website"},"breadcrumb":{"@id":"https:\/\/peopaygo.com\/es\/2026\/07\/22\/officer-owner-exclusion-from-workers-comp-how-it-works\/#breadcrumblist"},"author":{"@id":"https:\/\/peopaygo.com\/es\/author\/yiseth\/#author"},"creator":{"@id":"https:\/\/peopaygo.com\/es\/author\/yiseth\/#author"},"image":{"@type":"ImageObject","url":"https:\/\/peopaygo.com\/wp-content\/uploads\/2026\/07\/Officer_Owner-Exclusion.png","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/22\/officer-owner-exclusion-from-workers-comp-how-it-works\/#mainImage","width":650,"height":450,"caption":"Wooden peg figure standing apart from a circle of wooden peg figures on a light blue background."},"primaryImageOfPage":{"@id":"https:\/\/peopaygo.com\/es\/2026\/07\/22\/officer-owner-exclusion-from-workers-comp-how-it-works\/#mainImage"},"datePublished":"2026-07-22T17:37:29-04:00","dateModified":"2026-07-22T17:37:52-04:00"},{"@type":"WebSite","@id":"https:\/\/peopaygo.com\/es\/#website","url":"https:\/\/peopaygo.com\/es\/","name":"PEOPayGO","description":"Workers Comp and Payroll Services for High-Risk","inLanguage":"es-ES","publisher":{"@id":"https:\/\/peopaygo.com\/es\/#organization"}}]},"og:locale":"es_ES","og:site_name":"PEOPayGo - Workers Comp and Payroll Services for High-Risk","og:type":"article","og:title":"Officer \/ Owner Exclusion from Workers\u2019 Comp: How It Works","og:description":"Officer \/ Owner Exclusion from Workers\u2019 Comp: How It Works An officer or owner exclusion removes a corporate officer, partner, or LLC member from a workers\u2019 compensation policy, so they aren\u2019t counted as a covered worker and their wages are taken out of the premium calculation. 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