How much does workers' comp cost for a solo landscaper?

Workers' comp insurance for a solo landscaper costs a real price. The price depends on your state and the kind of work you do. Your quote will show the real price for your business.

For example, if you mow lawns, trim hedges, or plant trees, your quote puts your work in the landscaping class and shows the price for your state.

The policy does NOT cover you, the owner. You reject coverage for yourself when you buy it.

Get your quote in minutes to see the real price for your business.

What makes the price change for a solo landscaper?

Two things set the price. Here they are:

Your quote will tell you the real price based on these things.

What a ghost policy costs a landscaper, 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 landscaper 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 $830 ($580 plus the $250 fee). In Indiana, it costs $1,301 ($1,051 plus the $250 fee).

A blanket waiver of subrogation is optional. It adds $150.

What is a minimum premium?

A ghost policy is priced at a minimum premium: one flat price for your state, and in Iowa and Indiana for your trade. It is for a business with no employees and no subcontractors of any kind. A solo landscaper is a good example. It proves that your business has insurance, which helps you hand over a certificate when someone asks for it.

It does NOT cover you, the owner. You reject coverage for yourself when you buy one.

UNO sells ghost policies in 14 states: Alabama, Arkansas, Illinois, Indiana, Iowa, Kansas, Mississippi, Missouri, Montana, Nebraska, New Mexico, South Carolina, South Dakota and Virginia. Your quote will tell you if yours is one of them.

How does your quote work?

To get your quote, you answer a few simple questions about your business. You tell the insurance company where you live and what kind of work you do. Based on that, the insurance company gives you a real price for your business.

The quote shows the price for your state and the work you do.

Start your quote to see the real price for your business.

What if I need a certificate of insurance?

Many people ask for a certificate of insurance, or COI. It proves your business has workers' comp insurance. A ghost policy can do this. It shows the insurance exists, even if there are no employees.

A COI shows the insurance company's name, the policy number, the dates, and the coverage types. But it does NOT show the full policy terms. The real policy has more details.

If you need a COI, getting a ghost policy is a simple way to get one. Your quote will show you the price and tell you if it's available in your state.

What if I want to be covered as the owner?

The policy does NOT cover you, the owner. You reject coverage for yourself when you buy it, so it 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.

If you do the work yourself and want a policy that pays you when you get hurt, you need regular workers' comp, not a ghost policy.

What happens after I get my quote?

After you get your quote, you can choose to buy the policy. The insurance company will send you the policy documents and a certificate of insurance.

If you need to get a new quote later, you can start the quote process again. Just answer the questions again to see the latest price.

Start your quote to see the real price for your business.