You're a house cleaner and someone asked you for a certificate. Here's what you need to do today.
You work alone and someone asked for proof of insurance. You need workers' comp to show it exists. It's not about you — it's about the business. If you don't have it, you might not be able to work with that person or company.
Workers' comp is a type of insurance. A certificate proves that your business has it. But if you're the only person in your business, the insurance is only there to prove it exists, not to cover you. More on that next.
A ghost policy is a simple way to prove your business has workers' comp.
A ghost policy is real insurance, but it doesn't cover you, the owner. It's for a business with no employees. If you're a house cleaner working alone, this is the kind of policy you get. It shows that your business has insurance, which is what the person asking needs to see. But it won't help if you get hurt. You reject coverage for yourself when you buy it.
Ghost policies are made to answer a request for a certificate. If someone asks you for proof of workers' comp, a ghost policy can answer that request. You get your quote, you pay by card, and Cimarron issues your policy within 24 business hours of your payment and signed documents. Then you get the certificate.
You might need to show coverage for a client or a landlord.
Sometimes a client or a landlord asks for a certificate of insurance. They want to know that your business has workers' comp. It's not about you — it's about the business. They don't want to take a chance if something goes wrong. A certificate proves that insurance exists.
As a one-person business, you don't have employees. But some people still expect proof. A ghost policy is how you get it. It shows that your business has insurance, even if you're the only person working.
A ghost policy does not cover you, the owner.
The owner is not covered. You reject coverage for yourself when you buy a ghost policy. That means if you get hurt doing your work, the insurance won't help you. If you want a policy that pays you when you get hurt, you need regular workers' comp, not a ghost policy.
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're working alone and no one else is on the job, the insurance is only for showing it exists, not for covering you.
You get your quote in minutes, and the certificate when you need it.
You can get your quote in minutes. The price depends on your state and the kind of work you do. Once you have your quote, you get the real price for your business. If you agree, you can buy the policy right then.
There's no need to talk to anyone. You make the choices online. You get the certificate after Cimarron issues your policy, within 24 business hours of your payment and signed documents. Your quote is fast and simple.
Your state might say it's required — but it depends.
Some states say certain businesses need workers' comp. If you have employees, most states require it. But if you work alone, it depends. Some people or companies might ask for it anyway. If they do, you need to show proof. But the rules vary by state. You should check your state's rules to be sure.
Not every state has the same rules. If you're not sure, your state's workers' compensation office can tell you what your state needs.
Workers' comp is not the same as other insurance types.
Workers' comp is not general liability insurance. Workers' comp pays for injuries to people who are covered by the policy. General liability pays for someone else getting hurt or property damage. If you're a house cleaner, workers' comp is about your business. It's not about other kinds of insurance, like cyber or property. You need to know the difference to pick the right one.
A ghost policy is about proving your business has workers' comp. It does not pay for a claim about damage or injury to someone else. That is general liability, a different policy UNO does not sell.
