It is necessary to have the policy endorsed to name the sole proprietor or partners to be covered. Employers and independent contractors may still buy worker's compensation insurance without personal benefit coverage. The employer pays for the insurance and may not withhold, deduct or collect payment for worker's compensation insurance premiums from any employe or any other person. Also, no agreement by an employe waiving rights to compensation is valid. Employers can reduce worker's compensation costs if the injured employe returns to work in some capacity as soon as possible, within medical restrictions.
Production is maintained with the experienced person back to work.
Temporary Partial Disability insurance payments to workers who return in some capacity are less expensive than Temporary Total Disability benefits. National research shows that employers who provide some type of alternative work within medical restrictions, after injury, are much more likely to retain their workers. Sole Proprietors and Partners Sole proprietors and partners are not considered or counted as employes. All worker's compensation policies exclude the sole proprietor or partners unless specifically endorsed to include them. Sole proprietors and partners may voluntarily purchase worker's compensation insurance to cover their own work-related injuries and illnesses.