Opt-in / elective coverage
Workers' compensation coverage voluntarily elected for an owner or otherwise excluded person when state law permits that person to opt in.
Elective coverage is the opposite of an owner exclusion: a person who is not required to be covered asks to be brought within workers' compensation for the permitted period and scope. The election normally follows a state or carrier process rather than occurring automatically.
Washington provides an Application for Elective Coverage for specified owners and excluded employments. Florida permits a Notice of Election of Coverage for qualifying non-construction sole proprietors and partners. Eligibility and effective dates are state-specific.
Where this definition comes from
Glossary entries are anchored to a state agency, statute, board, commission, or recognized workers' compensation authority rather than a generalized summary.
More terms
- Additional insured
- Agricultural/farm labor exclusion
- Assigned risk pool / residual market
- Casual employment
- CE-200 (New York)
- Certificate holder
- Certificate of election
- Certificate of insurance (COI)
- Civil penalty (uninsured employer)
- Class code
- Competitive state fund
- Construction vs non-construction classification