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Ghost Policies

UNO's flagship product, explained end to end — what a Ghost Policy is, what it covers, and what it doesn't.

Close-up of a technician working on solar panel installation with green gloves in Tampa, Florida. technician installing solar panels on rooftop
Ghost Policies
Can an Electrician Get a Ghost Policy?

Electricians need to send a workers' comp certificate. Find out if a ghost policy works for you.

Workers laying tiles on an outdoor patio under sunlight. close up shot of tiled ground
Ghost Policies
Can a Tile Setter Get a Ghost Policy?

Tile setters can get a ghost policy if they have no employees. It proves coverage exists, but it doesn't cover the owner. Start your quote in minutes.

A construction worker surveys a wooden roof frame build on a sunny day. construction worker inspecting roof frame outdoors
Ghost Policies
Can a Roofer Get a Ghost Policy?

A roofer who runs a one-person business can get a ghost policy to show proof of coverage when asked.

Close-up of a plumber's hands installing steel pipes indoors, showcasing skilled manual work. plumber installs pipe fittings
Ghost Policies
Can a Plumber Get a Ghost Policy?

Find out if a plumber can get a ghost policy to satisfy a certificate request without covering the owner.

A woman stands on a ladder painting a wall white, part of a DIY home renovation. woman painting the wall with a roller brush
Ghost Policies
Can a Painter Get a Ghost Policy?

A painter with no employees can get a ghost policy. Here's what it proves and what it does not cover.

A worker cutting grass in a park, showcasing professional lawn care with greenery in the background. a man cutting the grass using a lawn mower
Ghost Policies
Can a Landscaper Get a Ghost Policy?

Learn if a landscaper can get a ghost policy and how it works for one-person businesses.

Technician repairing an air conditioner unit in New Delhi workshop. air conditioner repair technician in workshop
Ghost Policies
Can a HVAC Technician Get a Ghost Policy?

Yes, an HVAC technician can get a ghost policy. Learn why it fits your business and how it works.

Person in hazmat suit disinfecting a modern kitchen table with spray bottle for hygiene. cleaner with spray bottle during disinfection of apartment
Ghost Policies
Can a House Cleaner Get a Ghost Policy?

Yes, a house cleaner can get a ghost policy for workers' comp to prove coverage exists when asked for a certificate.

Tools and tiles on a construction site, ready for tiling work. Includes trowel, tape measure, and adhesive tape. tiling equipment laid out on a job
Ghost Policies
Can a Flooring Installer Get a Ghost Policy?

A flooring installer can get a ghost policy to prove workers' comp coverage. Learn how it works and what it covers.

Black and white photo of a worker installing drywall indoors, Falun, Sweden. man doing construction work inside house
Ghost Policies
Can a Drywall Finisher Get a Ghost Policy?

A drywall finisher can get a ghost policy if they are a one-person business. Learn if you're eligible and what it covers.

Carpenter using hand tools to shape wood in a workshop environment. craftsman working in a wood workshop
Ghost Policies
Can a Carpenter Get a Ghost Policy?

Carpenters with no employees can get a ghost policy to prove they have workers' comp. It does not cover the owner by default.

Two construction workers in helmets and vests review blueprints on a site. construction workers in helmets and reflective vests
Ghost Policies
Why GCs Accept Ghost Policies (And When They Don't)

Learn why general contractors accept ghost policies and when they might ask for more proof.