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OHIO’S INJURY & SOCIAL SECURITY DISABILITY FIRM Workers' Compensation - Social Security Disability - Personal Injury

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I Am Self-employed. Do I Need to Get Workers' Comp Coverage on Myself?

November 29, 2015 by Joseph A. Moro

If you are a sole proprietor or partner/partnership or are incorporated, you do not need to seek benefits. But you will probably want to secure coverage on yourself. If you don’t, you won’t be able to reap any benefits through the Ohio Bureau of Workers’ Compensation (BWC).

There is no requirement in Ohio to register for workers’ compensation coverage if you are a sole proprietor with no employees, a partner/partnership or are incorporated. Yet you still should think about getting self-employment covered for yourself. Elective supplemental coverage is pretty cost effective and you can report a work injury against your policy. Once your claim is approved by the BWC, it may pay you for lost wages when you are unable to work—and who doesn’t want that? It will also pay some or all of your medical bills related to this injury, as well as for permanent disability and settlements.

Remember, if you choose not to cover yourself and you are injured at work, BWC will not provide coverage; and other insurance may not cover your work-related disability or medical bills. Contact your insurance carrier if you have questions. Or call our office and we’d be happy to help you with this.

About the Author

Joseph A. Moro
The son of a Youngstown steelworker who worked himself in steel mills as a young man, Joseph A. Moro is acutely aware of the challenges that working people face and the dire impacts that injuries and impairments can have on them and their families. After he earned his undergraduate degree from Youngstown State University and his law degree from the University of Cincinnati College of Law, Joseph has largely dedicated his practice to handling workers' compensation and personal injury cases. He is a fluent Spanish speaker who is certified as a Workers’ Compensation Specialist by the Ohio State Bar Association (OSBA) as well as a certified Veterans Affairs Representative. He currently serves as the OAJ Regional Representative for Youngstown-Warren and on the OSBA Workers’ Compensation Specialty Board.

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