Yes, a flooring installer who works alone can get a ghost policy
You are a flooring installer who works alone. You can get a ghost policy. This is a type of workers' comp insurance. It proves your business has coverage. You need this to send a certificate to someone who asks. Ghost policies are for businesses with no employees. The policy does not cover you, the owner. It only proves your business has insurance. You use it to show others that your business is covered, even though no one works for you.
What a ghost policy is for a flooring installer
A ghost policy is for a business with no employees. You are the only person working. You might need to show proof of workers' comp. A ghost policy gives you a certificate. This proves your business has coverage. But it does not cover you, the owner. It only shows that your business meets insurance rules. You use it to show others that your business is covered, even though no one works for you.
Why a flooring installer is a good fit for a ghost policy
You are a flooring installer. You work alone. You might need to show proof of workers' comp. A ghost policy is perfect. It gives you a certificate. You can send it to a client or a job site. It shows your business has insurance. You do not have any employees, so a ghost policy fits your business. Your quote is fast and easy to get. It meets the needs of a one-person business like yours. 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.
How to get a ghost policy as a flooring installer
Getting a ghost policy is simple. Go to start your quote. Answer some questions about your work. Tell them you are a flooring installer. The system will find the right class code for your state. You will see the price. You pay by card and sign your documents. Cimarron issues your policy within 24 business hours of your payment and signed documents. The premium is fully earned, so once the policy is issued there is no refund. Then you get your certificate. You can use it to show proof of coverage. Your quote takes minutes. Your state and the kind of work you do decide the price.
Work above 15 feet can't be covered by this program. If any of your flooring work goes that high, you need regular workers' comp instead.
What the ghost policy proves to others
When someone asks for a certificate, they want proof. A ghost policy gives you a certificate. It shows your business has workers' comp insurance. It has the carrier name, policy number, and dates. It shows the coverage types and limits. But it does not show all the policy terms. The full policy terms are in the documents you get. The certificate is enough for the person asking. It proves your business is covered. You can hand it over to meet their requirements.
What the ghost policy does NOT cover
Important: A ghost policy does not cover you, the owner. You reject coverage for yourself when you buy it, so the policy pays no medical bills or lost wages to you. If you get hurt at work, you pay your own bills. It exists to show proof of coverage to the client, contractor or landlord who asks for it.
Real example: Flooring installer needs a certificate
You are a flooring installer. You get a job. The client asks for a certificate. You need to show workers' comp coverage. You go to start your quote. You tell them you are a flooring installer. You answer the questions. You get a price. You buy the policy by card. Cimarron issues it within 24 business hours of your payment and signed documents. Then you get a certificate. You send it to the client. The client sees your business has workers' comp. The policy proves coverage. It does not cover you, the owner. You are clear on what it does and does not do. This is a clear way to meet the client’s request.
If you want coverage for yourself
A 👻Ghost Policy never covers the owner; if you want coverage for yourself, you need regular workers' comp. Decide what you need before you get your quote. If you only need a certificate for a client, a ghost policy gives you that.
