Humana is now offering a 24 hour coverage rider which replaces coverage for owners, officers, partners that are not eligible for Workers Compensation coverage. If the enrollment in the 24 Hour Coverage rider is less than 50% of the total group population, then there is no premium charge. If participation in the 24 Hour Coverage rider is 50% or more of the total group population, then there is a 10% increase in premium for the entire group (not just the employees applying for 24 Hour Coverage).