What is workers' comp for drywall finishers?
Workers' comp is a type of insurance. It helps if someone gets hurt at work. For drywall finishers, it means if someone working for you is hurt, the insurance helps pay for their medical bills and lost wages. That is what regular workers' comp does; a ghost policy covers no one you hire. Even if you're the only person working, you might still need this insurance. Some customers or job sites might ask for proof that your business has it. This proof is called a certificate.
Why do drywall finishers need workers' comp?
Some places or customers might ask for a certificate. It shows they know your business has insurance. If you hire someone in the future, you will need regular workers' comp, not a ghost policy. It also proves your business takes safety seriously. Many states have rules about this. Learn more about certificates here.
What kind of injuries happen in drywall finishing?
Drywall finishers work with tools and materials. They can hurt their backs, hands, or arms. They can also slip or fall. These are common in this job. The insurance helps if any of these happen to people who are covered. But a ghost 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.
What does the insurance cover?
Workers' comp pays for medical care and lost wages if someone gets hurt on the job. It also covers some legal costs if they sue for the injury. But it does not cover other things like property damage or lawsuits from other problems. That is a different kind of insurance, and it is not offered here. Learn more about other types of insurance.
What happens if you hire someone?
If you hire someone to help, your state may require you to cover them with workers' comp. Many states do. You will need to show proof of coverage. 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 anyone else works for you — an employee, a subcontractor, a 1099 worker, day labor, or a family member who helps — you need regular workers' comp, not a ghost policy. Learn more about costs.
How do you get a quote?
Getting a quote is easy. You just tell us a few things about your business. This includes the kind of work you do and where you work. We will give you a real price. The price depends on the state and the work you do. Start your quote now to see what your price is.
What is a ghost policy?
A ghost policy is a workers' comp policy for a business with no employees and no subcontractors. It proves your business has insurance. You can show this to someone who asks for a certificate. But 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. Learn more about ghost policies.
What if you want coverage for yourself?
A 👻Ghost Policy never covers the owner; if you want coverage for yourself, you need regular workers' comp. Start your quote to see the price of a ghost policy.
