We are not eperts on worker's comp regulations but we suggest that you check with the health insurance policy through your wife's employer. Worker's comp typically acts as the primary insurer for work related injuries, but this does not necessarily mean that your wife's health insurance policy will not cover work related injuries if you do not have worker's comp insurance as a sole proprietor. They will typically coordinate payment of benefits with the Worker's Comp carrier. Your health insurance company should be able to tell you if they do not cover work related injuries if there is no worker's comp coverage through the workplace. Most insurance companies do not eclude work related injuries from your policy. If you are uncertain of this, review your current health insurance contract or contact the customer service department for your insurance company.