Are sole proprietors and partners covered by workers' compensation?

Sole proprietors and partners generally have unique coverage considerations when it comes to workers' compensation. In many jurisdictions, including Delaware, sole proprietors and partners are not automatically covered by workers' compensation insurance as employees. However, there are provisions that may allow them to opt into coverage by paying additional premiums.

The alternative provided, which states that family members are covered, suggests a misunderstanding of how coverage extends to spouses or other relatives of sole proprietors or partners. While family members often have different provisions regarding coverage, they are typically not covered under a workers' compensation policy unless they are employed by the business and the policy specifically includes them as covered employees.

The correct perspective is that sole proprietors and partners may not be covered unless they actively choose to pay for additional coverage. This makes it possible for them to receive benefits for work-related injuries, but this coverage does not extend to their family members unless specific conditions are met. Therefore, understanding the situation involves recognizing the specific legal and insurance nuances related to independent business owners and how coverage can be structured.