Sole Proprietor's Request Constitutes 'Election of Coverage'

The Delaware Superior Court ruled that a sole proprietor’s election of coverage was sufficient to cover him under the policy issued to his business and that his petition to determine compensation after he was attacked by an employee should have been granted. Case: Bayly v. Red House Motors, No. S24A-05-002 CAK, 05/06/2025, published. Facts: Robert Bayly is the sole proprietor of Red House Motors. While he was at work in June 2021, he was attacked by a temporary employee. At the time, Red House had a workers’ compensation policy from Federated Reserve Insurance Co., part of ...