Your General Contractor Needs Proof You're Covered
Your general contractor runs a big project. They might ask to see proof you have workers' comp. This is a type of insurance that helps pay for injuries at work. Even if you work alone, you still need it to show you are safe to be there.
The proof they want is called a certificate of insurance. It is like a report card that shows you have the insurance. Without it, they may not let you on the site.
Workers' comp is not just for big companies. Even if you work by yourself, you may need it to show you are responsible. You can start your quote in minutes, and Cimarron issues your own policy within 24 business hours of your payment and signed documents.
What If I Don't Have Workers' Comp Yet?
If you don't have workers' comp, the general contractor may not let you work on the site. They are protecting themselves and the project. So they ask for proof before letting you start.
You don't have to wait long for a quote. You can get a quote in minutes. You'll answer a few simple questions about your work and your state. Then you'll see the price. After you pay and sign your documents, Cimarron issues your policy within 24 business hours. Your quote is quick and easy.
Some people get confused. They think workers' comp is just for employees. But the general contractor might still ask for it. This is because they want to be safe and avoid any problems later.
What Is a Ghost Policy and How Does It Help?
A ghost policy is a real workers' comp policy. It is made for people who work alone. It shows you have insurance. But it does not cover you, the owner. You reject coverage for yourself when you buy it. That means if you get hurt, it won't pay your medical bills. It's only for proving you're covered to the general contractor.
Why use it? Because it's simple. You can get your quote in minutes. Once Cimarron issues your policy, within 24 business hours of your payment and signed documents, you can show the certificate to the general contractor. A ghost policy does not cover you when you get hurt. If you want a policy that pays you when you get hurt, you need regular workers' comp, not a ghost policy.
You can read more about ghost policies. You can also get your quote and see the real price.
Your Policy Depends on Your State and Your Work
Workers' comp rules are different in each state. What you need to show the general contractor may depend on where you live. In some states, certain work needs it: New Mexico, for example, says employers doing work that needs a Construction Industries license must have it, whatever their number of employees. Many states do not require it for a one-person business with no employees.
For a ghost policy, the price is set by your state, and in Iowa and Indiana by your trade. You can get your real price by starting your quote. You'll enter your work and your state, and the system will show you the price and the options.
Don't guess. Check your state's rules. You can also talk to the general contractor to see what they need. You can always get your own quote and see what's available.
Get Ready for the Job with a Ghost Policy
Cimarron issues your policy within 24 business hours of your payment and signed documents. You can use a ghost policy to show the general contractor your business has workers' comp. Then you can start working once they accept it. The policy proves you're responsible. It shows you care about safety and rules.
Even if the policy doesn't cover you, it can answer the general contractor's request for a certificate. A 👻Ghost Policy never covers the owner; if you want coverage for yourself, you need regular workers' comp. But you can start your quote today to get the proof you need.
Go to start your quote . After Cimarron issues your policy, you can hand the certificate to the general contractor and start working.
