What is a ghost policy?
A ghost policy is a real workers' comp insurance policy. You get it if you are a one-person business. It shows your business has coverage. You might need it when someone asks for proof. That could be a client, a bank, or a landlord. You can send them a certificate of insurance. A ghost policy does not cover you, the owner, by default. You can choose to be covered, but it will cost more.
Why is it called a ghost policy?
It is called a ghost policy because it looks real but has no employees. There is no payroll for anyone else. But it still shows your business has coverage. You can send it to someone who asked for proof. It is not fake. It is real. It is for a business with no workers.
Who buys a ghost policy?
Solo business owners buy ghost policies. You might need one if someone asks you to show proof. Maybe a client, a bank, or a landlord wants to see a certificate. Some states say you must have it. You can get a quote in minutes. You just tell us what kind of work you do and where you live. Then we show you the real price.
What does a ghost policy prove?
A ghost policy proves your business has workers' comp insurance. It has a real policy number, dates, and a carrier. You can send it to someone who asked for proof. It shows the policy is active. But it does not show who is covered. It does not cover you, the owner, unless you choose to be included.
Does it cover me, the owner?
No. A ghost policy does not cover you, the owner, by default. It covers work-related injuries to people who are listed as covered. If you have no employees, then no one else is covered. You can choose to be covered. That is called an owner inclusion election. It costs more. You make that choice when you get your quote. If you do not choose it, the policy does not cover you.
How is it different from a policy with employees?
A ghost policy is like a normal workers' comp policy, but it has no employees on it. A policy with employees covers those workers if they get hurt. A ghost policy is for a business with no workers. It still shows coverage exists. But it does not cover you, the owner, unless you choose to be included. The price is based on your work and where you live. You can get the real price in minutes by starting your quote.
How do I get a ghost policy?
You can get a ghost policy in minutes. Just tell us what kind of work you do and where you live. We will show you the real price. You can choose to be included in the coverage if you want. Then you pay and get your policy. You can send the certificate to whoever asked for it. You can start your quote. It is fast and simple. You do not need to talk to anyone. You do not need an account. You just get your quote and buy the policy.
What if I need coverage for myself?
If you want to be covered when you get hurt, you can choose owner inclusion. It is not free. It will cost more. You pick this when you get your quote. Once you choose it, you are covered under the policy. But if you do not choose it, the policy does not cover you. It is your choice. And it costs more. You can start your quote and see what it costs.
