Sole Proprietor Without Comp Coverage Qualifies as Employee of Roofing Contractor

The South Carolina Court of Appeals ruled that a roofer was not covered under the workers’ compensation insurance policy he purchased for his sole proprietorship, but he qualified as the direct employee of another company. Case: Ramirez v. May River Roofing Inc., No. 5827, 06/23/2021, published. Facts: Francisco Cedano Ramirez was a roofer and the sole proprietor of Cedano Roofing. When Ramirez started the business, he purchased a general liability and workers' compensation insurance policy from the Travelers Property & Casualty Co. Ramirez did not elect to cover himself. Ram...