In all three jurisdictions, sole proprietors, partners, and certain corporate officers can elect in or out of their own coverage. The decision is genuinely a financial trade-off: excluding yourself reduces your premium but leaves you personally without workers’ comp benefits if you’re injured on the job — meaning you’d have to rely on personal disability insurance and personal health insurance instead. For owners with strong personal health and disability coverage, opting out often makes sense. For owners without those alternatives — or in high-risk industries — staying in often makes sense. We talk this through individually at placement.