How much does workers' comp cost for a solo painter?
You need workers' comp to prove your business is covered. But you want to know what it costs. Two things set the price: your state and your trade. Let’s look at both.
A ghost policy is not priced the same in every state or for every trade. You can see your real price by getting your quote.
Your state is a big part of the price
Most states require workers' comp once a business has employees. The price changes from state to state. Each state has its own rules and costs for workers' comp. The quote you get will show the real cost for your state.
Some states are more expensive than others. For a ghost policy, Illinois costs more than Missouri. California, for example, uses its own class codes from the WCIRB. Get your quote to see what your state charges.
The kind of work you do matters
Painting is one type of work. But there are many kinds of painting. For example, you might paint houses, cars, or buildings. Your quote puts your work in the right class. Work above 15 feet, such as on a high ladder or scaffold, can’t be covered by this program. If any of your painting goes that high, you need regular workers' comp, not a ghost policy. The quote will use the right class code for your kind of work. You don’t need to know the code — the quote will use the right one for you.
Painting is grouped into a class for insurance pricing. Your quote will find the right class for you. Get your quote to see what painting costs in your state.
What a ghost policy costs a painter, 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 painter 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 $900 ($650 plus the $250 fee). In Indiana, it costs $1,541 ($1,291 plus the $250 fee). A blanket waiver of subrogation is optional. It adds $150.
A ghost policy does not cover you
A ghost policy does not cover you, the owner. You reject coverage for yourself when you buy it, so the policy pays no medical bills or lost wages to you. It exists to show proof of coverage to the client, contractor or landlord who asks for it. Get your quote to see how much the policy costs.
Ghost policies are for businesses with no employees and no subcontractors. They help you show proof of coverage. But they don’t cover you, the owner. If you want a policy that pays you when you get hurt, you need regular workers' comp, not a ghost policy.
Your quote shows your exact price
There is no guesswork. The quote is the real price for your business. It shows the cost for your state and your trade, with the Audit Fee — Powered by Audit1 on its own line. Get your quote to see what your workers' comp costs.
Your price depends on your state and your trade. The prices above show the numbers, and the quote shows your exact price before you pay. Get your quote and see what it costs for your business.
Why the quote is the best way to know
The best way to know what it costs you is to get your own quote. The quote is free. It asks simple questions and shows the real price. Get your quote and see your cost in minutes.
You don’t need to know insurance rules or class codes. The quote takes care of all that for you. It’s designed for people who want to get their quote quickly. Get your quote and see your real price for workers' comp.
How to get started with your quote
You don’t need to talk to anyone. You don’t need to call or wait for a response. You can get your quote right now, in minutes. Get your quote and answer a few simple questions about your business.
After you answer the questions, you’ll see the real price for your workers' comp. Get your quote and see what it costs for your business.
