You agree to the following subjectivities and requirements to participate in the Workers Comp program: 1) Must have NO claims in the previous 3 years. A “No Loss Letter” will be required stating you have had no claims. 2) All Employees must be on payroll. 3) All Relatives must be on payroll (Unless they are Owners). If you have had any claims in the previous 3 years, you must submit Loss Runs for review to email@example.com or by fax at (805) 367-4521.