Oklahoma Insurance Adjuster Practice Test 2025 – Complete Exam Prep Guide

Under the Oklahoma Workers' Compensation Act, sole proprietors are generally excluded from coverage. This means that if you are a sole proprietor, you do not automatically qualify for workers' compensation benefits for injuries that occur while performing work-related tasks. The rationale behind this exclusion is that sole proprietors operate their own businesses and do not have other employees who could be covered under the act. As such, they are considered to have sufficient control and autonomy over their work environment, which influences the legal framework governing workers’ compensation.

Conversely, part-time employees, contract workers, and temporary employees can qualify for coverage under certain conditions. Part-time employees who are working for a company may still be covered if they meet the criteria for employment set forth in the act. Similarly, while contract workers may complicate the situation, they can still be eligible for compensation if they are deemed to be in a position akin to that of an employee based on the nature of their work and the relationship with the employer. Temporary employees, who are employed through a staffing agency and assigned to work at another business, are also generally covered under workers’ compensation as they are considered employees of the agency.