A Roofer Can't Get a Ghost Policy
No, a roofer can't get a ghost policy here. A ghost policy is a type of workers' compensation insurance. It is for the owner only, with no employees and no subcontractors. It proves your business has insurance, so you can send someone a certificate of insurance. But roof work is work at height. Work above 15 feet is an automatic decline, and this program can't cover it.
Roofer work is physical. You climb and carry heavy things. A ghost policy also does not cover you, the owner. You reject coverage for yourself when you buy one, so it would not pay your medical bills if you got hurt. A roofer needs regular workers' comp, not a ghost policy.
Regular workers' comp is a different policy from the ghost policy this site sells. If you need a certificate for a client or a building owner, that is the policy to look for. You can read more about cost and payment here.
Why a Roofer Is Not a Fit for a Ghost Policy
A ghost policy is made for owners who work alone and who do not work above 15 feet. You may need to send a certificate of insurance to a client or a building owner. They want proof your business has insurance. But roof work is work at height, and this program can't cover work above 15 feet. So a ghost policy is not the right way to give that proof.
Roofer work is common in many states. The rule about height applies to every quote: work above 15 feet is an automatic decline. For roof work, you need regular workers' comp instead.
What a Ghost Policy Proves to the Person Who Asks
When someone asks for a certificate of insurance, they want to know your business has coverage. A ghost policy proves this for an owner with no employees and no subcontractors. The certificate shows the kind of insurance, the dates, and the company that wrote the policy. For a roofer, that certificate has to come from regular workers' comp.
The certificate does not show the full policy details. But the person who asked does not need all the details. They just need proof of coverage, and a certificate from regular workers' comp gives them that.
A Ghost Policy Does Not Cover the Owner
It is important to know this clearly. A ghost policy does not cover you, the owner. You reject coverage for yourself when you buy one, so it pays no medical or wage benefits to you. It only proves coverage exists. If you want a policy that pays you when you get hurt, you need regular workers' comp, not a ghost policy.
How to Get Coverage as a Roofer
Getting coverage for roof work starts with the right kind of policy. A ghost policy is not available for work above 15 feet. A roofer needs regular workers' comp. It is a different policy from the ghost policy this site sells.
Your state's workers' compensation office can tell you what kind of insurance you need. They can also explain the rules where you work.
What Happens If You Get Hurt While Working
A ghost policy does not pay for your injuries. You reject coverage for yourself when you buy one. If you get hurt, you might have to pay the medical bills yourself. If you want a policy that pays you when you get hurt, you need regular workers' comp, not a ghost policy.
That means your medical bills are not paid by a ghost policy. You are responsible for your own costs. This is why it is important to think about what kind of policy you need before you buy any insurance.
More Tips for Roofers Who Need a Certificate
Always check your state's rules. You can find more tips in our blog on certificates of insurance. You can also read more about ghost policies and how they work. If you want to know more about what workers' comp covers, read about solo business basics.
Roofers often need to show proof of insurance to clients, contractors, or building managers. For roof work, that proof has to come from regular workers' comp, because this program can't cover work above 15 feet. And a ghost policy would never cover you if you get hurt.
If You Want Coverage for Yourself
If you want to be covered when you get hurt, a ghost policy is not the right policy. A 👻Ghost Policy never covers the owner; if you want coverage for yourself, you need regular workers' comp.
You can also look into other kinds of insurance. Workers' comp is not the same as general liability insurance. General liability insurance might cover other things, like property damage or customer injuries. But that is a different kind of insurance and not sold here. You can read more about it in our blog on whether you need it.
