Yes, a painter who works alone can get a ghost policy
If you are a painter and work alone, you can get a ghost policy. It shows a certificate exists for your business. It does not cover you, the owner, if you get hurt. The quote gives the real price for your state and the work you do.
You answer simple questions about your work and location. Then you get the price for your policy. Your quote is fast. It is online. You can start your quote.
What a ghost policy proves
Some people ask for a certificate of insurance. They want to know your business has workers' comp. A ghost policy proves that. It is for a business with no employees. It shows you have a policy, even if you are the only one working.
The certificate has the policy number, the dates, the company name, and the limits. It does not show the full policy rules or what the policy does not cover.
Why a painter can be a good fit
If you are a painter and work alone, and none of your painting goes above 15 feet, a ghost policy can be a good fit. You do not have employees. So you do not need coverage for anyone else. Your policy just needs to show the certificate exists. It does not cover you, the owner.
A ghost policy is made for this. It is for businesses like yours. Your quote is fast and simple. After you pay and sign your documents, Cimarron issues your policy within 24 business hours.
You are not covered
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. It is just to show the certificate exists.
A 👻Ghost Policy never covers the owner; if you want coverage for yourself, you need regular workers' comp.
How the quote works
To get your quote, you answer a few simple questions. You tell us what kind of work you do and where. Work above 15 feet can't be covered by this program, so if any of your painting goes that high, you need regular workers' comp instead. The system finds the right class code for your work. It gives you the real price for your state.
The quote is not a guess. It is the actual price you pay. The premium is fully earned, so once the policy is issued there is no refund. Cimarron issues your policy within 24 business hours of your payment and signed documents. Then you get your certificate. You can start your quote.
What the policy does not do
A ghost policy is not a regular workers' comp policy. It is not for a business with employees or subcontractors. It does not cover you, the owner. It does not cover property damage. That is general liability, which is a different kind of insurance.
If you need coverage for other people or property, you need a different policy. This one is just to prove your business has insurance.
What you need to know about your work
The kind of work you do affects your class code. Painting is a specific type of work. The class code is based on how you work. The quote and the policy will show the code. It is not something you pick. It is based on your job.
Some states, like California, use their own class codes. You do not need to know the code. The system does.
Get your quote now
If you are a painter and need a certificate, start your quote. It is fast. It is simple. It gives you the real price for your work and your state. After you pay and sign your documents, Cimarron issues your policy within 24 business hours, and you get the certificate you need.
Get your quote in minutes and you are started. You do not need to wait for a call. Cimarron issues your policy within 24 business hours of your payment and signed documents, and then you have the certificate. You can also read more about ghost policies or costs and payment before you begin.
