[ Answers for one-person businesses ]

The UNO Insurance Blog

Workers’ Comp, Ghost Policies, and certificates of insurance — explained like you’re hearing it for the first time. No jargon, no scare tactics, just what to do next.

Groundskeeper mowing the green on a golf course during a sunny day, showcasing lush landscapes and maintenance. a man is mowing the grass on a golf course
Do I Need It?
Does a Landscaper Need Insurance Before the First Job?

A landscaper needs insurance before the first job. Here's what to do and in what order.

Black and white image of air conditioners mounted on a building facade in Córdoba, Argentina. wall mounted air conditioners on building facade
Do I Need It?
Does an HVAC Technician Need Insurance Before the First Job?

Before your first HVAC job, you need insurance. Here's what to get and when.

A professional cleaner holding a tool indoors, dressed in red overalls with natural light. a bearded man holding a cleaning tool
Do I Need It?
Does a House Cleaner Need Insurance Before the First Job?

Do you need insurance as a house cleaner before your first job? Learn why it might be required and how to get coverage fast.

Interior view of a residential home under construction in The Colony, Texas. residential home construction in texas
Do I Need It?
Does a Drywall Finisher Need Insurance Before the First Job?

Find out if a drywall finisher needs insurance before starting the first job and how to get it fast.

A carpenter in a dusty workshop precisely cuts wood using an industrial saw. carpenter working with wood on industrial saw
Do I Need It?
Does a Carpenter Need Insurance Before the First Job?

You need insurance before your first job. Here’s what to do fast and what happens if you’re asked for proof on day one.

Two workers repairing a street with red floor tiles, surrounded by people in urban setting. men repairing the floor tiles
Do I Need It?
Do Solo Tile Setters Need Workers' Comp in Virginia?

Find out if solo tile setters in Virginia need workers' comp and how to get a certificate fast.

A skilled male painter working in his art studio, surrounded by abstract paintings. man painting a picture on a canvas in a studio
Do I Need It?
Do Solo Painters Need Workers' Comp in Illinois?

Find out if solo painters need workers' comp in Illinois and how to get coverage fast.

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.