Ghost workers' comp policies for one-person businesses: 80 trades in 14 states, written by Cimarron Insurance Company, an admitted carrier. Pick a state or a trade and see the yearly premium.
One yearly premium per policy, set by the state and, in a few states, by the trade. Add the $250 Audit Fee — Powered by Audit1, paid together with the premium.
Flat in 11 states
$1,000/ year
The same premium for every trade written in Alabama, Arkansas, Kansas, Mississippi, Missouri, Montana, Nebraska, New Mexico, South Carolina, South Dakota, Virginia.
Flat in Illinois
$1,250/ year
The same premium for every trade written in Illinois.
By trade in Indiana
$176–$1,500/ year
Indiana's premium depends on the class code. Pick Indiana on the map to see each trade.
By trade in Iowa
$164–$809/ year
Iowa's premium depends on the class code. Pick Iowa on the map to see each trade.
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This guide summarizes appetite only and does not bind coverage; the policy and the state filings govern. Ghost policies are for businesses with no employees. Premiums are yearly and subject to change. Class descriptions are shortened NCCI wording: confirm the class against what the business actually does. Policies are written by Cimarron Insurance Company, an admitted carrier, and sold through Cennairus, LLC (NPN 8740024). What is a ghost policy?
