Workers' comp costs depend on where you work and what you do
You need workers' comp if someone asks you to show proof. It proves you have insurance for your business. But the price depends on your state and the kind of work you do.
Tile work and carpet work have different classes. Their prices can differ in some states. The quote gives you the real price for your situation.
Your state decides part of the cost
Each state has its own rules and costs for workers' comp. Some states use their own rating system. For example, California uses the WCIRB. Other states use different systems. The quote will tell you what your state charges.
Your quote shows what your state charges.
The kind of work you do affects the price
Each kind of work has its own class and price. Work above 15 feet can't be covered by this program. If any of your work goes that high, you need regular workers' comp, not a ghost policy.
The quote will use the right code for your kind of work and tell you the price.
What a ghost policy costs a flooring installer, 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 flooring installer 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 $693 ($443 plus the $250 fee). In Indiana, it costs $961 ($711 plus the $250 fee). A blanket waiver of subrogation is optional. It adds $150.
The policy does not cover you, the owner
A ghost policy proves your business has insurance. But it does not cover you, the owner, if you get hurt at work. You reject coverage for yourself when you buy it, so the policy pays no medical bills or lost wages to you.
A 👻Ghost Policy never covers the owner; if you want coverage for yourself, you need regular workers' comp.
Your quote shows your exact price
Your price depends on your state and the kind of work you do. The quote shows your exact price before you pay.
The quote will tell you the real price for your business.
You can get your quote in minutes
You don't need to wait days or talk to an agent. You can get your quote right now. Just tell us where you work and what you do. We will show you the real price for your state and your kind of work.
More about how workers' comp works for your kind of business
Workers' comp is not the same as general liability. Workers' comp pays for work-related injuries to covered people. General liability helps if someone else is injured because of your business. You need to know which one you need.
For example, if you are a flooring installer, you might need workers' comp if someone asks you to show proof.
If you're not sure what you need, the quote can help. It shows the price for your business and tells you what kind of coverage you get.
You can read more about how to decide if you need workers' comp on our Do I Need It? page.
