Yes, a plumber can get a ghost policy — here’s what it does
If you are a plumber and someone asks you to send a workers’ comp certificate, you can get a ghost policy. A ghost policy is insurance that proves your business has coverage. It does not cover you, the owner, if you get hurt. It just shows the business has insurance for a certificate request.
Most plumbers have no employees and just work alone. A ghost policy is meant for businesses like yours — no employees, just the owner. It satisfies the person asking for proof and shows the business is covered. But the policy does not cover the owner. If you want coverage for yourself, that is a separate choice and costs more.
You can get a real quote for your state and class code in minutes. Start your quote and see if it is available in your area.
What is a class code and why does it matter for a plumber?
A class code is a number used to decide how much your insurance costs. It is like a job code for your business. Plumbing has its own class code, and your state sets which one applies. But the number varies by state — some states use their own codes. The code helps decide the price but does not change what the policy covers.
You do not need to know the code yourself — the quote process will use the right one for your business. Learn more about class codes and how they are used for different kinds of work.
Who might ask a plumber for a certificate?
There are a few people who might ask you for a certificate. Here are the most common ones:
- General contractors: If you help with a big job, the main contractor may need proof you have insurance.
- Property owners: If you work on their home or building, they might want to see your certificate.
- Landlords: If you do work in a rental home, they might need the certificate to protect them.
A ghost policy gives you the certificate you need. It proves coverage exists but does not cover you, the owner.
What is covered in a ghost policy for a plumber?
A ghost policy covers work-related injuries for covered people. By default, the owner is not covered. So if you fall or get hurt while doing plumbing work, the policy does not pay for your medical bills or lost wages.
If you want coverage for yourself, you can choose an owner inclusion election. This is a separate option you pick when you get your quote. It costs more because it adds you to the coverage. But it is not part of the ghost policy by default.
How to get a ghost policy as a plumber
Getting a ghost policy is simple. Follow these steps:
- Go to the quote page and tell us your business type (plumbing), your state, and the kind of work you do.
- Answer a few questions about your business — we do not need a lot of information.
- See your real price for a ghost policy. The quote is the actual cost, not an estimate.
- Pick your coverage options, like the owner inclusion election if you want it.
- Buy your policy and get your certificate in minutes.
If you are not sure, you can start your quote and see what is available in your state.
What if my state is not listed or I have questions?
Not every state is available. Your quote will tell you if it is possible in your area. If you see a message that your state is not available, it means the coverage is not offered there. You may need to check with your state’s own insurance program.
There is no person to call or ask questions. The quote process is all online. If you are unsure about anything, go back to the quote wizard and see what is available for your business.
