How much does workers' comp cost for a solo house cleaner?
Workers' compensation is insurance that helps pay for work-related injuries to covered people. If you are a solo house cleaner, you might need it to show someone else that your business has insurance. The cost depends on where you live and the kind of work you do. Your quote will show the real price for your state and your job.
You can get a quote in minutes by starting your quote on our site. The price you see is the real price for your business. The policy does not cover you, the owner. You reject coverage for yourself when you buy it.
Why do I need workers' comp as a solo house cleaner?
If someone asks you for a certificate of insurance, you might need workers' comp. A certificate shows that your business has insurance. It is often needed by landlords, clients, or other businesses you work with. A "ghost policy" proves coverage exists for a business with no employees and no subcontractors, and satisfies a certificate request. It does not cover you, the owner, but it helps you hand over a certificate when needed.
A ghost policy is not the same as being covered for your own injuries. 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.
What decides the cost of workers' comp for house cleaners?
The cost is based on your state and the kind of work you do. Each state has its own rules and prices. 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 quote you get will be based on your job and your location. If you are unsure, you can always start your quote to see the real price for your business.
What a ghost policy costs a house cleaner, 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 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 and Indiana, the price is the price of your trade plus the $250 fee, and your quote shows it.
A blanket waiver of subrogation is optional. It adds $150.
Can I change my coverage later?
The details of your coverage and how much you pay depend on the policy you choose and the rules in your state. If you want to change something after you get your quote, the terms and what you can change will depend on your policy and your state. A 👻Ghost Policy never covers the owner; if you want coverage for yourself, you need regular workers' comp.
If you want to make a change, you need to get a new quote and start the process again. Always read the terms of your policy carefully and ask questions if you are unsure.
How do I get started with workers' comp?
Getting started is simple. You can start your quote on our site. Answer a few questions about your business and your location. Then, you will see the real price for your workers' comp policy.
Once Cimarron issues your policy, within 24 business hours of your payment and signed documents, you will get the policy documents and a certificate of insurance. You can use the certificate to show someone else that your business has insurance. Remember, a ghost policy does not cover you, the owner.
What if I have more questions?
Each state has its own rules for workers' comp. If you are unsure about what your state requires, your state’s workers’ compensation office can tell you. You can start your quote to see the price, and you can also check your state’s rules online or ask someone who knows the law in your area. Remember, the quote you get is the real price for your business and your job.
If you are still unsure, you can look at the category on certificates to learn more about what a certificate of insurance is and how to use it. You can also read about ghost policies to understand how they work and why you might need one.
