Workers' comp costs depend on your state and your work
You are a solo drywall finisher. You want to know what workers' comp costs for your business. The price depends on two big things: where you live and what kind of work you do. The program sets one price for each state, and in Iowa and Indiana your trade sets it too. The quote you get will give the real price for your business.
Your state decides part of the price
Workers' comp prices differ from state to state. For a ghost policy, Illinois costs more than Missouri, for example. The quote you get will tell you the real number for your state.
The kind of drywall work you do affects the cost
In Iowa and Indiana, your trade sets the price. In the other states UNO sells in, the price is the same for every trade it writes. You don't need to know the code number. The quote will use your work to find the right price.
What a ghost policy costs a drywall finisher, all in
A ghost policy has one flat price. Your state and your trade set it. It does not go up when you work more hours, and it does not go down when you work fewer. You pay the whole price by card, in one payment. These prices include the $250 Audit Fee — Powered by Audit1, which shows on its own line at checkout.
In Illinois, a ghost policy for a drywall finisher costs $1,500 ($1,250 plus the $250 fee). In Alabama, Arkansas, Kansas, Mississippi, Missouri, Montana, Nebraska, New Mexico, South Carolina, South Dakota and Virginia, it costs $1,250 ($1,000 plus the $250 fee). In Iowa, it costs $804 ($554 plus the $250 fee). In Indiana, it costs $1,223 ($973 plus the $250 fee).
A blanket waiver of subrogation is optional. It adds $150.
A ghost policy does not cover the owner
A ghost policy does not cover you, the owner. It only shows that your business has coverage. You reject coverage for yourself when you buy it, so the policy pays no medical bills or lost wages to you. If you want a policy that pays you when you get hurt, you need regular workers' comp, not a ghost policy.
The real price is in your quote
There is no one price for every business. The real price depends on your state and the work you do. The quote shows the exact cost for your business before you pay. You don’t have to guess.
You can choose to get a quote right now
If someone asks for proof of workers' comp, you need to send a certificate of insurance. The best way to get that is to get a quote. The quote gives you the real price. After you buy and Cimarron issues the policy, you get the documents you need. You don’t have to wait. You can get your quote in minutes and find out exactly what your workers' comp costs.
What else to know about the cost
The price is set by your state and your trade. Work above 15 feet, such as on tall ladders, can't be covered by this program. If any of your drywall work goes that high, you need regular workers' comp, not a ghost policy. You don’t need to remember the rules — the quote will use them for you.
What if you work part-time or do different jobs?
Hours do not change the price. The price is the same if you work part-time. The quote will ask about the kind of work you do most. That helps set the right price for you.
