Are you a sole proprietor or partner in a partnership? You may not be automatically covered by the Workers Compensation Act if you’re injured at work.
To ensure you’re protected, eligible business owners can purchase Personal Coverage. Personal Coverage is workplace disability insurance that will pay health care, wage-loss, and rehabilitation benefits if you're injured at work.
What are the benefits?
Personal Coverage could provide you with the following if you’re injured at work:
- Health care benefits: Medical services and supplies to treat your injuries.
- Wage-loss benefits: This is generally based on 90 percent of the coverage amount you choose (less deductions).
- Vocational rehabilitation: This may include vocational assessment and planning, counselling, and skills development.
- Return-to-work support: Assistance to identify safe and suitable work while you recover.
How much coverage will I have?
The amount of your coverage depends on the level of coverage you choose. You can use our compensation table on the Personal Coverage wage-loss benefits page to estimate your wage benefits.
The cost per month is calculated by multiplying the monthly amount of coverage you choose by your net premium rate. Your premium rate is based on the nature of your business. Look up your premium rate.
Example
If you're a courier driver supplying your own vehicle, your premium rate is 3.87 percent.
If you apply for $3,100 of monthly coverage, your monthly cost is calculated as follows:
3.87% x $3,100 = $119.97
How to apply
Visit our Apply for coverage page to see what details you’ll need to apply.
See Personal Coverage to learn more.