Your workers' comp price is based on real facts — not guesses
You are a solo plumber. You need workers' comp to show others you're covered. But you want to know: how much will it cost you?
The real price depends on two things: your state and your trade. There is no magic number or guess. Your quote shows your exact cost before you pay.
Start your quote to see your price for your state and your work.
Your state decides part of your price
Each state sets its own rules for workers' comp. Some states use their own rating bureau — not the same as other states. For example, California uses the WCIRB. For a ghost policy, the program sets one price for each state. See how much it costs.
That means the price in Illinois is different from the price in Missouri. Your quote shows what your state charges.
Your quote will use the right class for your state and your trade.
The kind of work you do affects the price
Workers' comp is priced based on the kind of work you do. Plumber work has different risks than office work. The insurance company uses a class code to decide the price. This code is based on the kind of work you do.
Your quote will show the code used for your kind of work. But you don't need to know it — the quote will use it to give you the right price.
In Iowa and Indiana, each class has its own price. In the other states UNO sells in, every class has the same price.
What a ghost policy costs a plumber, 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 plumber 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 $645 ($395 plus the $250 fee). In Indiana, it costs $832 ($582 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 does not cover you, the owner. It only shows others you have coverage. You reject coverage for yourself when you buy it, so the policy pays no medical bills or lost wages to you.
The policy will not cover you — but it will still satisfy the certificate request. A 👻Ghost Policy never covers the owner; if you want coverage for yourself, you need regular workers' comp.
So, if you want a policy that pays you when you get hurt doing plumbing work, you need regular workers' comp, not a ghost policy.
Your quote shows your exact price
Your price depends on your state and your trade. The prices above show the numbers. Your quote shows your exact price before you pay.
Every business is different. Your quote will use the right rules for your state and the right code for your kind of work.
Start your quote to see the real price for your business.
Your quote shows your exact price before you pay.
Examples of what changes the price
Let's say you're a solo plumber in Missouri. A ghost policy costs $1,250 all in: $1,000 plus the $250 fee.
The state you work in changes the price too. Illinois costs more than Missouri. Your quote shows the price for your state.
So the price depends on your state and your trade. The quote shows the exact number for your business.
Why you need to see your quote before you decide
Workers' comp is required by some states and by some clients. But the price depends on your situation. That's why you need to see your quote before you decide.
Your quote will show you the real cost for your state and your work. It won't guess — it will use the right numbers for your business.
Start your quote to find out what your workers' comp costs. Then you can decide what to do next.
