Yes.  In this case, the owner election of whether or not to cover themselves often determines your insurance company options.  Most companies want to have at least one full time employee covered under the policy. If you are electing coverage there are many carrier options and rates depend on your class code, payroll, etc.   If the owner rejects coverage, this would be a minimum premium policy (aka ghost policy) issued through the facility.  These assigned risk policies often have a minimum of $1200 and are required to be paid upfront.  These policies are also audit able.