Sole Proprietors and Partners Not Always Covered by Workers’ Comp

Sole Proprietors & Partner(s) – Make sure you have selected the proper coverage, as most companies already expect that you have it in place. You have bills to pay and could be injured like any other employee. Be sure you are protected so that you’ll have income in case you can’t work.

Other Businesses – Do not accept a certificate of insurance unless it lists the coverage status of the sole proprietor or partner(s). If you hire a sole proprietor or partner without elected coverage, he will revert to your workers’ compensation policy in an audit. This will increase your premium, especially if there is a loss. Ultimately, it is your decision whether or not to accept a certificate of insurance with excluded sole proprietors or partners; however, we recommend that you require “your” subs to have coverage in place to keep your costs down.