If you are a sole proprietor, business partner or owner of a non-incorporated company, you can apply for workers’ compensation coverage for yourself. This is called optional coverage.
Purpose of optional coverage
Optional coverage provides peace of mind by protecting you in the event of an injury at work.
It provides benefits for medical treatment; and
It may provide loss-of-earnings benefits, if you are unable to work.
How to apply for optional coverage
Complete the application form as follows.
Download the Optional Coverage Application Form.
Enter the amount of coverage you require. The amount of coverage should closely reflect your actual proven earnings, up to the limit set by the maximum wage rate.
Enter the dates that you would like the coverage to start and end. The end date cannot be later than December 31. Note that coverage starts on the date we approve your application.
Sign, scan and submit your completed form to us by mail, email, fax or in person. Alternatively, use our online file drop.
How to make a claim
If you are injured at work and your claim is accepted, we will base our calculation of the loss-of-earnings benefits you will receive on the lesser of the following:
Proof of earnings
When you make a claim, we will ask you to provide proof of earnings. We will require your Canada Revenue Agency (CRA) Income Tax/Benefit Return, Notice of Assessment and Statement of Business/Professional Activities, and, if applicable, any contracts you currently have in place.
If you would like to talk with an employer services officer, please see our Contact Us page. Our direct email address is [email protected].
You can find details about optional coverage in the following policies.
EA-04 - Optional Coverage for Sole Proprietors
EA-02 - Determining the Status of a Person: Employer, Worker, Sole Proprietor or Non-Working Director