Yes, an HVAC technician who works alone can get a ghost policy
If you're a one-person HVAC business, a ghost policy can help you. It proves to others that you have workers' compensation insurance. This is what people often ask for when you're on a job site. They just want to see a certificate that shows your business has workers' comp. A ghost policy gives you that. It does not, however, cover you, the owner, if you get hurt at work.
What is a ghost policy, exactly?
A ghost policy is a type of workers' compensation insurance. You need it if someone asks to see proof of coverage. It shows the insurance company, dates, and types of coverage. It does not cover the owner of the business. This is not a mistake — it's how it's designed. You reject coverage for yourself when you buy it, so the policy pays no medical bills or lost wages to you. It only proves coverage for the business.
Why an HVAC technician can be a fit for a ghost policy
As an HVAC technician, you often work alone. You may not have any employees. So, you don't need coverage for anyone else. You just need to show that your business has insurance. This is what a ghost policy is for, as long as none of your HVAC work goes above 15 feet. It meets the needs of a one-person business like yours. It proves coverage exists. It helps you pass the certificate check. It does not cover you, the owner. It also allows 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.
Who asks for a certificate?
Many people ask for a certificate of insurance. It could be a building manager, a homeowner, or a company hiring you. They just want to know your business is covered. A ghost policy gives them the proof they need. The certificate shows the insurance company, the dates of coverage and the limits. It does not show the full policy terms.
How to get your ghost policy
Getting your quote is quick. You can start your quote online. You will answer a few questions about your work. The system will use this to find a class code for your work. This code helps set the price. Your state and the work you do will determine the final price. Work above 15 feet can't be covered by this program, so if any of your HVAC work goes that high, you need regular workers' comp instead. You pay by card. Cimarron issues your policy within 24 business hours of your payment and signed documents. The premium is fully earned, so there is no refund after the policy is issued. Then you can get a certificate of insurance. This is the proof you need for others.
What the policy covers
A ghost policy is a workers' compensation policy. It only proves that the business has coverage. This is the key point. 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. Always check the details of your policy.
What the policy does not cover
A ghost policy does not cover you, the owner. It is not a personal injury policy. If you get hurt at work, the policy will not pay your medical bills or lost wages. It exists to show proof of coverage to the client, contractor or landlord who asks for it. If you want a policy that pays you when you get hurt, you need regular workers' comp, not a ghost policy.
The cost of a ghost policy
The cost of a ghost policy depends on where you live and the kind of work you do. The quote will give you the real price. It is not a guess. You will pay the exact price for your business. The system calculates this based on your answers. It uses the class code for your work and your state. This gives you a fair price for your situation. You will know the cost before you buy. There are no surprises. The quote is the final price.
