How much does workers' comp cost a solo HVAC technician?
Two simple things set the price of a ghost policy: where you work and what you do. The quote gives you the real cost for your business.
As a solo HVAC technician, your price comes from the state you work in and the kind of HVAC work you do. Your quote will show the full price.
Get your quote in minutes to find out the actual cost for your business.
Why your state matters for the price
Each state sets its own rules for workers' comp. Some states use their own rating systems. For example, California uses the WCIRB. For a ghost policy, the program sets one price for each state.
Some states charge more than others. Illinois costs more than Missouri. That's why your quote is the best way to know what your ghost policy will cost in your state.
The kind of HVAC work you do changes the price
Each kind of HVAC work has its own class and price. Work above 15 feet can't be covered by this program. If any of your HVAC work goes that high, you need regular workers' comp, not a ghost policy. Your quote will use the right price for the type of HVAC work you do.
The insurance company looks at the kind of work you do each day. If you install, repair, and service HVAC systems, your quote will use the right price for all of that. Your quote is based on what you do, not on what you think you might do.
What a ghost policy costs an HVAC technician, 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 an HVAC technician 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 $771 ($521 plus the $250 fee). In Indiana, it costs $1,103 ($853 plus the $250 fee). A blanket waiver of subrogation is optional. It adds $150.
Does a ghost policy cover you?
A ghost policy does NOT cover you, the owner. It only proves your business has insurance so you can hand over a certificate. 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.
A 👻Ghost Policy never covers the owner; if you want coverage for yourself, you need regular workers' comp. Your quote will show the full price of the policy.
How to get the real price for your business
Your quote shows your exact price before you pay. The quote uses your state and the kind of HVAC work you do. It gives you the full price for your business.
Get your quote in minutes to see the real price for your business. No guesswork, no promises. Just the real cost for your situation.
Why you need to choose the right coverage
Your business needs the right kind of insurance to protect it. As a solo HVAC technician, your job often means you are working in homes or on rooftops. That makes your work riskier. Work above 15 feet, such as work on a roof, can't be covered by this program. If any of your HVAC work goes that high, you need regular workers' comp, not a ghost policy. Workers' comp helps if someone gets hurt on the job. But it only covers people who are included in the policy.
You are not included in a ghost policy. You reject coverage for yourself when you buy it. That means if you get hurt at work, the policy does not pay for your medical bills.
How your quote helps you make the right choice
Your quote is more than just a price. It shows you what the policy includes. For example, it shows that the policy does not cover you, the owner. It also shows how much the policy costs.
It is important to read your quote carefully. Your quote gives you the facts so you can make the right decision for your business.
Also, your quote gives you the real price for your state and your work. It is not a guess. It is the actual cost for your business. That is why getting your quote is the best step to take.
