Do you need workers' comp if you drive for a living?
You might need workers' comp, but it depends. If you work alone and don’t have anyone working for you, you might not need it. But if someone asks you to show proof before they let you work, you might need it just to show you have coverage. Start your quote to see the price.
What is workers' comp and who does it cover?
Workers' comp is insurance that pays for people who get hurt while working. It helps cover their medical bills and lost time if they can't work. If you work alone, many states do not require it, but a client may still ask for it. Start your quote to see the price.
What if someone asks for a certificate before you can work?
Some companies ask for a certificate before they let you drive for them. If they ask for a certificate, you need to show you have workers' comp. But you don’t need it for yourself. You can get a ghost policy. A ghost policy shows you have coverage, but it does not cover you. Learn more about ghost policies.
What if you are your own boss and work alone?
If you are your own boss and work alone, many states do not require workers' comp. But some jobs still ask for it. If they do, you can get a ghost policy. It shows you have coverage but does not cover you. It is only for the certificate. A ghost policy is for the owner only. It has no employees and no subcontractors of any kind, even drivers who carry their own insurance. If no one asks and your state does not require it, you may not need it. But if you want a policy that pays you when you get hurt, you need regular workers' comp, not a ghost policy. Always ask what your state says. Start your quote to find out more.
How do you get a workers' comp policy?
Getting a workers' comp policy is simple. You can start your quote online in minutes. You will answer a few questions about your business. The quote will tell you the real price. If anyone else works for you, you need regular workers' comp, not a ghost policy. If you are your own boss and don’t have employees, you might not need coverage at all. But if you are asked to show a certificate, you can get a ghost policy. Always check what your state says. Start your quote to find out more.
How much does workers' comp cost for truckers and couriers?
The cost of workers' comp depends on a few things. It depends on your state and the kind of work you do. In Iowa and Indiana, each kind of work has its own price. In the other states UNO sells in, the price is the same for every trade it writes. The quote will tell you the real price. If you are your own boss, you might not need it. But if you need a certificate, you can get a ghost policy. It still shows you have workers' comp. Always check what your state says. Start your quote to find out more.
What if you're not sure what you need?
If you are not sure what you need, start your quote. It will ask you a few questions about your business. The quote will tell you the real price. If you need a certificate, a ghost policy can give you one when you work alone. If anyone else works for you, you need regular workers' comp, not a ghost policy. Always check what your state says. Start your quote to find out more.
What if you have employees?
If you have employees, most states require workers' comp. It covers their medical bills and lost wages. A ghost policy cannot cover employees, so you need regular workers' comp, not a ghost policy.
