As a sole proprietor, officer, or partner, can I elect to be included or excluded from coverage on my policy?

The answer to this question depends upon your state. When sole proprietors, officers, and partners are excluded from Workers’ Compensation coverage, the proper forms must be completed and filed prior to the inception date of your policy. When these individuals are included, the classification that most closely matches actual job duties will be assigned. As a result, you will be asked to provide a detailed description of each person’s responsibilities. To learn more about the rules governing your state, we suggest you contact your agent.