Elective Coverage

Coverage for the owners, partners, or corporate officers of a business corporation, partnership, or limited liability company is optional. An employer may elect to purchase optional coverage for themselves, their spouse, their children younger than 22-years-old, and for most workers otherwise exempt under Title 65. This coverage is not required by law. Coverage becomes effective upon WSI’s approval of a completed and signed optional coverage contract.

  • Coverage for an owner, partner, corporate officer, or spouse will be charged an annual premium based upon the appropriate class rate multiplied by the maximum taxable payroll cap.
  • Coverage for the employer’s children younger than 22-years-old is based upon the appropriate class rate multiplied by the actual wages paid.
  • Coverage for the employer’s children 22 years and older is mandatory and based upon the appropriate class rate multiplied by the actual wages paid up to the maximum taxable payroll cap.

If you have any questions, please contact Customer Service at 701-328-3800 or 800-777-5033.