Workers Comp Ghost Policy

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We've designed an online Ghost Policy Program for sole proprietors and other types of one-person businesses who have no employees, day laborers, or subcontractors. Our ghost policy is optimized to meet state workers compensation requirements in the least expensive manner possible, with the least amount of headaches possible.

Our Ghost Policy insurance is perfect for subcontractors and one-person businesses (such as sole proprietors, one-person LLCs, partnerships, and one-person s-corporations) who are required to give proof of insurance in order to do business with other contractors or businesses. Great candidates include subcontractors, such as independent truckers, home health care workers, plumbers, home inspectors, handymen, and landscapers, and many other types of business owners with no employees.

A Workers' Comp Ghost Policy and Accident Policy in a packaged offering that is cheaper than most state assigned risk plans.


You get more benefits

Because ghost policies do not provide workers' compensation benefits, we've included an Accident Policy, which provides insurance coverage to the policyholder in the event of an injury. The Accident Policy provides 24-hour accident coverage, including Accidental Death & Dismemberment.


You save money

Everyone is feeling the effects of workers' comp rates increasing. Even minimum premium insurance rates, like the assigned risk plan, keep going up. Our Ghost Policy is cheaper than most minimum premium workers comp, and it includes the extra benefit of an Accident Policy.


You don't have to wait on us

Typically, when someone applies for a ghost policy, they have to wait a few days to find out if they're approved while the insurance carrier analyzes their application. We know you have better things to do than worry about things like this, so we provide immediate coverage.


We have increased Employer Liability Limits

We are the only Ghost Policy Program that offers increased Employer Liability Limits. If you need 'em, we got 'em.


A Waiver of Subrogation is available

Our number one priority is getting subcontractors and other small business owners to work, which is why we've made Waiver of Subrogations available at any time.


No Mid-term audits = Ghost Policies without the headache

With other ghost policies, the owner is audited 30 days after the policy is bound. Many problems can arise during the mid-term audit process, and it can take a while to clear up. Our Ghost Policy only requires a yearly online audit. It's as easy as that.


One and Done

Once you're bound, you're bound, as long as you comply with our Program Eligibility requirements. Sole proprietors who obtain a ghost policy through the Assigned Risk Plan may have to cancel and find new workers' comp coverage as often as every two years, as the insurance carriers change. We know how frustrating this can be, which is why our insurance carriers never change, and our Accident Policy is non-cancelable and renewable for life.

Learn more about ghost policies:
Everything you need to know about workers' comp policies