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Glossary of WCB Terms

Sole Proprietorships


Workers' compensation coverage is not required for a sole proprietor who does not have employees (Employees).

A sole proprietor that has employees is automatically excluded from the business' workers' compensation insurance coverage. The sole proprietor may elect to have him/herself included in that coverage by filing Form C-105.32 adobe pdf with the insurance carrier. That coverage election form may be obtained from the insurance carrier.

However, if a sole proprietor has no employees but obtains a workers' compensation policy, the sole proprietor is automatically included in that policy. The sole proprietor may elect to have him or herself excluded from that coverage by filing a proper form with the insurance carrier. That coverage election form may be obtained from the insurance carrier. This may occur when the sole proprietor is hiring subcontractors but does not wish to be included on the policy.