Sole proprietor workers' comp

Sole proprietors

A sole proprietor is not personally covered by the policy unless SAIF receives and accepts a written request for the sole proprietor's personal election of coverage and names the sole proprietor on a Sole Proprietors, Partners, Officers and Others Coverage Endorsement.

Download the Personal Coverage Application for Sole Proprietors, Nonsubject Partners or Nonsubject Limited Liability Company (LLC) Members form

Payroll reporting

For policies effective on or after January 1, 2024, sole proprietors who have elected coverage must report as follows:

• Annual reportable payroll: $67,400

If your policy period is anything other than a full calendar year in length, multiply $184.66 by the number of days in the policy period. When the sole proprietor is covered for a portion of a policy period, multiply $184.66 by the actual number of days of covered work during the policy period. Report the result for the sole proprietor's coverage during the policy period.

Contact us at 800.285.8525 for more information.