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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 as shown below:   

Workers' comp sole proprietor coverage chart

What does this mean to you? 

Sole Proprietors & Partner(s) – Make sure you have elected the proper coverage as most companies already expect that you have it in place. You have bills to pay and could be injured just as any other employee.  Be sure that you are protected so that you'll have income in case you 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, who has not elected coverage, he will revert back 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.  


NOTE: This information is only a general description of the available coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Some coverage may be subject to individual insureds meeting underwriting qualifications and to availability within a state. For further information contact a Murphy Insurance Agency Associate.

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james 6 years ago


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The information provided in these articles are only general descriptions and should not be relied upon as complete, correct or accurate for your specific situation. All coverage informaiton is subject to policy provisions, endorsements and may be  subject to your meeting underwriting qualifications. Murphy Insurance Agency is not engaged in rendering legal, accounting or other noninsurance professional services. Consult an appropriate professional for advice regarding your own situation.