Yes, a tile setter who works alone can get a ghost policy
If you are a tile setter who works alone and has no employees, you can get a ghost policy. A ghost policy is a kind of workers' compensation insurance. It shows that your business has coverage, even if you are the only person working. This can help you send a certificate of insurance when someone asks for it.
A ghost policy does not cover you, the owner, if you get hurt. You reject coverage for yourself when you buy it, so the policy pays no medical bills or lost wages to you. It only shows that your business has insurance.
Start your quote to see if UNO sells ghost policies in your state and what it would cost you.
What is a ghost policy for a tile setter?
A ghost policy is a type of insurance that proves your business has coverage, even if you have no employees. For a tile setter who works alone, it is the simplest way to send a certificate of insurance. It shows that your business has workers' comp coverage. But it does not cover you, the owner, if you are hurt while working.
It is made for businesses like yours, where you are the only worker. It helps you meet requirements when a client or a government asks for proof of insurance.
Why would a tile setter need a ghost policy?
Tile setters often work for big companies, construction firms, or on government jobs. These places may ask for a certificate of insurance before letting you work. They want to know that your business has workers' comp. Even if you are the only worker, they still want proof.
A ghost policy gives you that proof. It shows that your business has workers' compensation insurance. 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.
A ghost policy does not cover the owner
It is very important to know that a ghost policy does not cover you, the owner. If you get hurt while working, you are not protected by the policy. You would have to pay for medical bills out of your own pocket.
A 👻Ghost Policy never covers the owner; if you want coverage for yourself, you need regular workers' comp. It exists to show proof of coverage to the client, contractor or landlord who asks for it.
How to get a ghost policy for tile setting
To get a ghost policy, you need to go through the quote process. You will answer a few questions about your business and the kind of work you do. The system will then give you a real price for your state and the work you do. The premium is fully earned, so once the policy is issued there is no refund.
Work above 15 feet can't be covered by this program. If any of your tile work goes that high, you need regular workers' comp instead.
You do not need to talk to an agent. Everything is done online. You can get your quote in minutes. You pay by card and sign your documents. Cimarron issues your policy within 24 business hours of your payment and signed documents. Then you get the policy documents and the certificate of insurance. You can send the certificate to whoever asked for it.
Start your quote to see if UNO sells ghost policies in your state and what it would cost you.
What a tile setter should know about class codes
Workers' compensation insurance uses class codes to decide the price. These codes are based on the kind of work you do. For a tile setter, the code depends on the work and the materials, like ceramic tile, stone, marble or mosaic. Different states may use different codes for the same work, so it is not the same everywhere.
Your quote will tell you the class code your business uses. You do not need to know it ahead of time. The system will use the correct code for your state and your work. This helps make sure the price is right for you and your business.
What to do if UNO does not sell in your state
A ghost policy is not sold everywhere. Where it is not available, that is about which states this programme writes in, not about anything you did wrong.
Your quote will tell you if your state is available. Your state's workers' comp office can explain that state's own rules.
