Yes, anyone who is incorporated and has three people or less, all three of the owners can be exempt. However, Worker’s Compensation on owners is inexpensive, only fifteen to twenty percent. Foremen cost less as well, only the roofers who are really at risk are expensive and even then the cost is less than fifty percent. There is also a Drug Free Workplace discount and a five percent Safety discount, and they are a member of FRSA’s (Florida Roofing and Sheet Medal Association) Self Insurance Program, there are mid year and year end discounts. Usually, the average bottom line cost is under thirty percent.