You Need Workers' Comp if You Set Tile for Others
If someone asks for a certificate of insurance, you need workers' comp. It proves you have coverage. You need this if a client or a company that hires you asks for proof. If you are a tile setter and someone asks for this, you need a policy. It costs money, but the price depends on a few things.
The Price Depends on What State You Work In
Each state has its own price for a ghost policy. For example, Illinois costs more than Missouri. You cannot guess what it will cost. You must get a quote for your state. The quote is the real price for your business. It is not a guess. Only your state and work type decide the price. Your quote will tell you if your state is in the list of places we can help. If it is, then you can keep going. Your quote will tell you either way.
The Kind of Work You Do Changes the Cost
Tile setting is a type of job. Each job has a number called a class code. This number helps decide the price. But you do not need to know the number. The quote will find it for you. The code is based on the kind of work you do.
What a Ghost Policy Costs a Tile Setter, 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 tile setter 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 $715 ($465 plus the $250 fee). In Indiana, it costs $1,031 ($781 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. You reject coverage for yourself when you buy it, so if you get hurt on the job, the policy pays no medical bills or lost wages to you. A ghost policy is for the owner only. That means no employees and no subcontractors of any kind, even subs who carry their own insurance or hand you a certificate. If you want a policy that pays you when you get hurt, you need regular workers' comp, not a ghost policy.
The Quote Gives the Real Price
A quote is the actual price for your business. It is not a guess. It uses your state and the kind of work you do. You can get your quote in minutes. You can do it online. The quote will tell you if UNO sells it in your state. It will also tell you the real cost before you buy.
You Can Start Your Quote Now
Do not wait. If someone asks for a certificate, you need the policy. You need to know the price. You can start your quote now. The quote will give you the real price. The quote will give you the answer. Start your quote to see the real price.
More Things to Know About the Cost
The price changes with the state you work in, and in Iowa and Indiana with your trade. You do not need to count or track anything. The quote will take care of it. Illinois costs more than Missouri. The quote will tell you everything you need to know.
