Workers' compensation policies issued to Sole Proprietors and Partnerships do not provide coverage for the individual sole proprietor or partner(s) unless they elect coverage for themselves. This can leave a gap in workers’ compensation coverage, so be sure you understand what coverage is in place for your own protection and when hiring subcontractors.

Effective October 1, 2015, the basis of premium for sole proprietors, partners of a legal partnership, and members of an LLC who elect to become employees and obtain workers' compensation insurance coverage is $45,700.