Coverage that says
yes to one-person
businesses.
A Workers' Comp policy designed for sole proprietors. Owner-only, bound in minutes. No employees, no friction.
From zero to bound in
under five minutes.
Tell us about your business
A handful of questions about your state, your work, and your size. Most owners finish in two minutes.
See your price
Pick your liability limits. We show you the exact premium before you commit. No surprise fees.
Bind and get your certificate
Attest, pay, and download your certificate of insurance. Email a copy to whoever asked for it.
Painters, drywallers, tile setters,
truckers, bakers, tattoo artists.
Real solopreneurs running real businesses. We price the work as it happens — not how a generic insurance carrier imagines it.
Most quotedGet covered Painters
5474
Top pickGet covered Drywall installers
5445
Quick bindGet covered Tile setters
5348 · 5478
$100k+ limitGet covered Solo truckers
7219
From $35/moGet covered Bakers
Other trades
TrendingGet covered Tattoo artists
Other trades
NewGet covered DJs
Entertainment
Remote-readyGet covered Coders at home
Remote tech
TrendingGet covered Streamers
Creator
Top pickGet covered Electricians
5190
Most quotedGet covered Plumbers
5183
Hot tradeGet covered Roofers
5552Built by one of you.
For one of you. By people who've been in the same chair.
I started a one-person business once. I know what it's like to lose a week chasing a policy nobody wants to write, get rejected because your name didn't fit a spreadsheet, and watch a contract walk away because the paperwork wasn't in order.
1insure exists because that shouldn't be how it works.
We don't care where you're from, what your last name is, or how many forms you've been handed back. If you're working honestly, you deserve coverage that lets you say yes when the job calls — coverage that helps you stay straight and legal so you can grow without looking over your shoulder.
We built every step — the questions, the price, the bind — for the person actually doing the work.
Honesty up front beats
a bind that gets cancelled.
Ghost policies are an owner-only product. They cover one-person businesses with the contracts you need to win — and they're not designed for anything else. We tell you straight, so a bind never gets cancelled out from under you later.
Start your quote — your price is
three minutes away.
Quick answers.
- What is a Ghost policy?
- A Workers' Comp policy issued with $0 reported payroll. The owner is formally excluded, but the certificate satisfies contract and licensing requirements that ask for WC.
- What if I hire someone later?
- Notify us right away. Hiring even one employee, 1099, or family helper changes the underwriting — we'll move you to the right policy.
- Who is the carrier?
- Cimarron Insurance Company — a Demotech A-rated admitted P&C insurer based in Charlotte, NC. They underwrite this program.
- How is this different from other Ghost products?
- Same legal core: owner-only WC. We differ on the people behind it — we're solopreneurs ourselves, and we built this to be the policy we wished existed when we were starting out. We won't write you in states where we can't price you fairly, and we won't ask for things you don't have to give us.
See your quote in
about three minutes.
From the blog.
Workers' Comp for Handymen: What You Actually Need
A handyman who works alone needs workers' comp to prove they have coverage, even if they don't have employees. Here's what you actually need.
August 19, 2026 · 4 min read
1099 vs. Employee: Why the Difference Decides Your Insurance
How being a 1099 worker or employee affects your insurance as a one-person business.
August 19, 2026 · 5 min read
Workers' Comp for House Cleaners: What a One-Person Business Actually Needs
You're a house cleaner working alone and someone asked for a certificate. Here's what you need to know about workers' comp.
August 19, 2026 · 4 min read