I have a sole proprietorship, and have been told 4 years ago that I needed Worker's Compensation coverage on my self and my subcontractors. I have personal health insurance, and so do the subcontractors that I have do work.

Now I was reading the rules under filing a claim in case one of my subcontractors got hurt, and it says that subcontractors are not covered, only employees. I have no employees.

So now shouldn't I receive a refund or credit from the OHIOBWC?

I have been paying $4000.00 (min) per year for this workers compensation plus $1000.00 for personal health insurance. It covers anything except dental and eye care.

The only reason I see to have workers compensation is so that if I would get hurt they will pay a percentage of my wage plus medial expenses, and that if I had employees I would be required to have it. But I do not.

Robert John