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Iowa Workers Compensation Laws

Below is the information you need to look at before making decisions about excluding individuals on your workers comp. For business owners, the important factors are state regulations & entity. Once you determine this, you can make the best decision for you. If you are still needing assistance with your decision, visit our blog about excluding owners in workers comp.

 If you have already excluded an owner or officer on your policy, you can find the form you need to fill out under the exclusion form tab below.

Basic Info

State: Iowa

Updated: 01-1-2019

Authority/State Rating Bureau: NCCI

National Council on Compensation Insurance (NCCI)
901 Peninsula Corporate Circle
Boca Raton, FL 33487-1362
800-622-4123

Compulsory: Yes

Private Insurance: Allowed

Self-Insurance: Allowed

State Fund: None

Assigned Risk: Assigned risk placement is available if turned down by 2 standard market carriers. Coverage may be placed in the assigned risk plan by contacting a local agent.

Assigned Risk Contact Information: NCCI Holdings Inc. ; Iowa Assigned Risk Plan, Pool or Residual Market is administered by NCCI Holdings, Inc.

Numerical Exceptions: None, however refer to special notes below.

Individual Waivers Allowed: Yes, limited to Corporate Officers.

Deductubile Progam

Small Deductible Program Details:
Allowed: Yes – Optional that insurance carriers make available
Deductible Range: $100 – $10,000
Type: Medical Only
Effect on Experience Rating: Net
Available In: Voluntary and Residual Markets
For More Information About How Deductible Programs Work

Entity Exclusion

Sole Proprietor: Excluded from coverage/may elect to be included/see special notes / If included in coverage the rating payroll used is a minimum of $350 and a maximum of $2,900 per week as of 1-1-2012, $350 / $3,000 as of 1-1-2013, $400 / $3,100 as of 1-1-2014. $400 / $3,100 as of 1-1-2015. $400 / $3,300 as of 1-1-2016. $400 / $3,400 as of 1-1-2017. $450 / $3,400 as of 1-1-2018. $450 / $3,500 as of 1-1-2019.

Partners: Excluded from coverage/may elect to be included / see special notes / If included in coverage the rating payroll used is a minimum of $350 and a maximum of $2,900 per week as of 1-1-2012, $350 / $3,000 as of 1-1-2013, $400 / $3,100 as of 1-1-2014. $400 / $3,100 as of 1-1-2015. $400 / $3,300 as of 1-1-2016. $400 / $3,400 as of 1-1-2017. $450 / $3,400 as of 1-1-2018. $450 / $3,500 as of 1-1-2019.

Corporate Officers: Included in coverage/may elect to be exempt/ see special notes. If included in coverage the rating payroll used is a minimum of $350 and a maximum of $2,900 per week as of 1-1-2012, $350 / $3,000 as of 1-1-2013, $400 / $3,100 as of 1-1-2014. $400 / $3,100 as of 1-1-2015. $400 / $3,300 as of 1-1-2016. $400 / $3,400 as of 1-1-2017. $450 / $3,400 as of 1-1-2018. $450 / $3,500 as of 1-1-2019.

LLC Members: Excluded from coverage/may elect to be included. If included in coverage the rating payroll used is a minimum of $350 and a maximum of $2,900 per week as of 1-1-2012, $350 / $3,000 as of 1-1-2013, $400 / $3,100 as of 1-1-2014. $400 / $3,100 as of 1-1-2015. $400 / $3,300 as of 1-1-2016. $400 / $3,400 as of 1-1-2017. $450 / $3,400 as of 1-1-2018. $450 / $3,500 as of 1-1-2019.

Exclusion Form

Iowa form 

Notes About Forms: Be sure to check with your insurance company for additional forms they may use.

* Please note, the information on this page is provided only as a reference not legal advice. The workers compensation industry and laws are always changing. If you have a problem, have a specific situation, or need a question answered please contact us. Otherwise, please consult your states governing authority or an attorney in your state of residency.

“Owners & Officers Exclusion From Work Comp?

A blog post that helps explain the owner exclusion process.

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