UNO's flagship product, explained end to end — what a Ghost Policy is, what it covers, and what it doesn't.
A ghost policy is real workers' comp for one-person businesses. It lets you send a certificate as proof of coverage. It does not cover you, the owner.
A ghost policy does not cover you, the owner. Here's what it does and doesn't do, and what to do if you get hurt.
A ghost policy proves your business has workers' comp but never covers you. Regular workers' comp covers employees. Here is the real difference.
Do sole proprietors need to cover themselves? On a ghost policy you reject coverage for yourself. Here's what that means.
Add an employee later? Learn how to grow out of a ghost policy and get the right coverage.
A handyman with no employees or subcontractors can get a ghost policy, as long as no work goes above 15 feet. It does not cover the owner.
