Sole trader and partnerships

If you're a sole trader/proprietor, or member of a partnership, you're not a worker of your own business and cannot take out workers compensation insurance to cover yourself for injuries.

A suitable alternative for you may be a personal accident and illness policy, or an income protection insurance policy however, it's not a legal requirement for you to take out one of these policies.

If you are not an exempt employer you will still need to take out a workers compensation policy to cover any workers you might have.

If you are hired as a worker by someone else, that person may need to take out a workers compensation policy to cover you.

Examples

Barry the electrical contractor

Barry operates an electrical contracting business. Barry is a sole trader with no workers. Barry is not eligible to take out workers compensation insurance.

Tilers Steve and Jason

Steve and Jason are tilers and conduct their business as a partnership. Because they employ an apprentice they are required to take out workers compensation insurance to cover the apprentice. The workers compensation insurance does not cover Steve and Jason.