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 or a landlord. You can send them a certificate of insurance. A ghost policy does not cover you, the owner. You reject coverage for yourself when you buy it, so it pays no medical or wage benefits to you.
Why is there no one on a ghost policy?
A ghost policy has no employees on it, and the owner rejects coverage. 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 or a landlord wants to see a certificate. 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. It lists no employees, because there are none. It does not cover you, the owner. You reject coverage for yourself when you buy it.
Does it cover me, the owner?
No. 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 exists to show proof of coverage to the client or landlord who asks for it.
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 the owner only. It is for a business with 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, you need regular workers' comp, not a ghost policy. A ghost policy still shows coverage exists, but it does not cover you, the owner. 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 your quote in minutes. Just tell us what kind of work you do and where you live. We will show you the real price. Then you pay by card, and Cimarron issues your policy within 24 business hours of your payment and signed documents. Work above 15 feet can't be covered by this program, so if any of your work goes that high, you need regular workers' comp instead. The premium is fully earned: once the policy is issued, there is no refund. After it is issued, you can send the certificate to whoever asked for it. You can start your quote. Your quote 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?
A ghost policy cannot do that. You reject coverage for yourself when you buy one, and the policy pays you nothing if you get hurt. If you want a policy that pays you when you get hurt, you need regular workers' comp, not a ghost policy. If all you need is proof of coverage for a client, you can start your quote and see the real price.
