Types of Coverage
Out of Province Coverage
Employers in Newfoundland and Labrador employers who have workers that are injured outside the province in the course of their employment may be eligible for out of province coverage.
Generally, in order for coverage to be extended, the following conditions must be met:
- The employer is registered with WorkplaceNL and conducts business that has a substantial connection to an industry in the province.
- The worker’s usual place of employment is Newfoundland and Labrador.
- The worker and/or his/her dependents are not entitled to compensation under the law of the place where the workplace injury occurs.
- The type of work conducted by the employer outside the province is also conducted by the employer in Newfoundland and Labrador.
Cases outside these guidelines will be considered on an individual basis. Out of province coverage does not include the “immunity from suit” protection.
To request Out of Province coverage, call us at 709.778.1000 or 1.800.563.9000.
Students are covered by WorkplaceNL under the following conditions:
- Students employed at your business are considered workers and you must pay assessments on their earnings. They will be covered in the event of a work-related injury.
- Students on an authorized unpaid work term from Memorial University or the College of the North Atlantic are covered by the provincial Department of Education. You do not have to pay assessments and are protected from liability underthe Act.
- Students on an authorized unpaid high school work term are covered by the provincial Department of Education. You do not have to pay assessments and are protected from liability underthe Act.
For questions about student coverage, call us at 709.778.1000 or 1.800.563.9000.
Optional Personal Coverage
A proprietor or partners of a non-incorporated business are not automatically covered by WorkplaceNL but can apply for Optional Personal Coverage.
To apply for Optional Personal Coverage:
- Complete an Independent Operator Questionnaire to determine if you are a worker, employer or independent operator.
- If you are determined to be an Independent Operator, complete and sign the Optional Personal Coverage Application and return with full payment
Individuals and entities employing persons at a private residence, or in the construction or renovation of a private residence, are not required to register with WorkplaceNL. These individuals may apply for Optional Personal Coverage, or the homeowner may apply for Householder Coverage.
You can apply for Householder Coverage if you are hiring workers to do work in or around your residence.
To apply for householder Coverage, complete the application form and return it with full payment.