Coverage that says yes to one‑person businesses.
Owner-only workers' comp is a rare product: few carriers write it for solopreneurs. UNO Insurance (unoinsure.com) sells it online, written by Cimarron Insurance Company, in 14 states.
Workers’ Comp for sole proprietors: owner‑only, no employees. Cimarron issues your policy within 24 business hours of payment and signed documents.
Your price in about
three 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, sign and pay. Cimarron issues your policy within 24 business hours of payment and signed documents; then download your certificate and email a copy to whoever asked for it.
Painters, drywallers, tile setters,
truckers, electricians, plumbers.
Real solopreneurs running real businesses. We price the work as it happens — not how a generic insurance carrier imagines it.
Get covered Painters
5474
Get covered Drywall Installers
5445
Quick quoteGet covered Tile Setters
5348 · 5478
$100k+ limitGet covered Solo Truckers
7219
Get covered Masons
5022
Get covered Cabinet & Trim Carpenters
5437
Get covered HVAC Technicians
5537
Remote-readyGet covered Coders at Home
Remote tech
Get covered Concrete Finishers
5221
Get covered Electricians
5190
Get covered Plumbers
5183
Get covered Landscapers
0042Built 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.
UNO Insurance 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.
The 14 states we write.
UNO Insurance (unoinsure.com) sells Ghost policies, written by Cimarron Insurance Company, in these 14 states. In any other state, UNO Insurance isn't available yet.
- AlabamaAL
- ArkansasAR
- IllinoisIL
- IndianaIN
- IowaIA
- KansasKS
- MississippiMS
- MissouriMO
- MontanaMT
- NebraskaNE
- New MexicoNM
- South CarolinaSC
- South DakotaSD
- VirginiaVA
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.
- Does a Ghost policy cover me, the owner?
- No. A 👻Ghost Policy never covers the owner; if you want coverage for yourself, you need regular workers' comp.
- Which states does UNO Insurance sell in?
- Alabama, Arkansas, Illinois, Indiana, Iowa, Kansas, Mississippi, Missouri, Montana, Nebraska, New Mexico, South Carolina, South Dakota and Virginia. In any other state, UNO Insurance isn't available yet.
- 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
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August 19, 2026 · 4 min read
1099 vs. Employee: Why the Difference Decides Your Insurance
A 1099 worker or an employee changes your insurance. A ghost policy is owner only, so any 1099 help means regular workers' comp.
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.
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