Can a Drywall Finisher Get a Ghost Policy?

Yes, a drywall finisher who works alone can get a ghost policy.

If you are a drywall finisher and you work alone, you can get a ghost policy. A ghost policy is a special kind of workers' comp insurance. It proves your business has insurance, even if you have no employees.

You need it when someone asks for a certificate of insurance. This happens a lot in construction jobs. A ghost policy helps you show you are ready to work.

Start your quote to see if UNO sells it in your state.

Ghost policies are made for one-person businesses.

Ghost policies are for people who work by themselves. That fits drywall finishers perfectly. You do the work alone, so you don’t need to cover anyone else. A ghost policy is for the owner only. That means no employees and no subcontractors of any kind, even subs who carry their own insurance or hand you a certificate. If anyone else works for you — an employee, a subcontractor, a 1099 worker, day labor, or a family member who helps — you need regular workers' comp, not a ghost policy.

The policy proves you have workers' comp insurance. But it does not cover you, the owner, if you get hurt. It only shows your business is covered for the kind of work you do.

A ghost policy can't cover work above 15 feet. If any of your drywall work goes that high, you need regular workers' comp instead.

A ghost policy is not the same as general liability insurance. Workers' comp is about injuries at work. General liability is about someone else getting hurt or property damaged. You need a different kind of insurance for that.

You need a certificate of insurance for many jobs.

When a client or a site manager asks for a certificate of insurance, they want proof that your business has workers' comp. They are trying to protect themselves from risks. Your ghost policy can help you show that.

The certificate shows the type of insurance, the limits, the dates, and the carrier. It does not show all the details of the policy.

Some jobs will not let you start until you show a certificate. A ghost policy helps you get those jobs.

UNO sells ghost policies in 14 states.

UNO sells ghost policies in 14 states: Alabama, Arkansas, Illinois, Indiana, Iowa, Kansas, Mississippi, Missouri, Montana, Nebraska, New Mexico, South Carolina, South Dakota and Virginia.

Getting a quote will tell you if your state is one of them. If it is, you can get a real price for your business right now.

Some states, like California, use their own class code system. A class code is a number that helps set the price of your insurance. The quote will find the right code for your work and your state.

The owner is not covered.

A ghost policy does not cover you, the owner, if you get hurt at work. You reject coverage for yourself when you buy it, so the policy pays no medical bills or lost wages to you. It exists to show proof of coverage to the client, contractor or landlord who asks for it.

If you get hurt and are not covered, you might have to pay for medical bills out of your own pocket. That is why it is important to know what your policy covers.

Always check the details of your policy. The certificate does not show everything. The full policy has more information about what is and is not covered.

What your policy covers is decided by law.

Workers' comp insurance is required by law in many states. It is about work-related injuries. The details of what is covered depend on your state’s laws.

Your policy proves your business has workers' comp. It does not cover you, the owner. A 👻Ghost Policy never covers the owner; if you want coverage for yourself, you need regular workers' comp.

Your state’s rules decide what must be covered. The quote will show you what your policy includes and what it costs.

You get your quote in minutes.

Getting your quote is fast and easy. You answer a few questions about your business and your work. The system will show you the real price for your state and the kind of work you do.

Your quote is the actual price. It is not a guess. You can buy the policy right then. The premium is fully earned, so once the policy is issued there is no refund. The quote also tells you if UNO sells it in your state.

The quote shows you the cost before you buy. If you want a policy that pays you when you get hurt, you need regular workers' comp, not a ghost policy.