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 proves coverage exists and lets you send a certificate. It does not cover you, the
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.
Ghost policies cover your business, not you. Regular workers' comp includes employees. Here's the real difference.
Do you need to cover yourself in your workers' comp policy? Learn what owner inclusion means and how it works.
Add an employee later? Learn how to grow out of a ghost policy and get the right coverage.
A handyman can get a ghost policy for workers comp to show proof of coverage without needing to cover themselves.
