[ 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.

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.

1099 vs. Employee: Why the Difference Decides Your Insurance
Solo Business Basics
1099 vs. Employee: Why the Difference Decides Your Insurance

How being a 1099 worker or employee affects your insurance as a one-person business.

A person using a lawn mower to trim grass in a sunny garden. person using lawn mower
Do I Need It?
Workers' Comp for Solo Landscapers

You work alone, but someone asked for a workers' comp certificate. What now? Learn if you need coverage and what to do.

Electrician from Elite Power Group installing a solar inverter outside. electrician installing solar inverter outdoors
Do I Need It?
Workers' Comp for Solo Electricians and Plumbers

Do you need workers' comp if you're a solo electrician or plumber? Here's what you should know.

Bearded truck driver wearing a turban and safety vest inside a truck cab, focused on driving. truck driver in turban
Do I Need It?
Workers' Comp for Independent Truckers and Couriers

Do you need workers' comp if you drive for a living? Find out here and get your quote in minutes.

A person vacuuming wooden flooring in a cozy room, emphasizing clean living space. a person cleaning the floor
Do I Need It?
Workers' Comp for Cleaning Businesses of One

Do you need workers' comp if you work alone? Here's what you need to know for your cleaning business.

Two contractors using a level bar to check wall alignment inside a building. woman and man holding a level bar on a wall
Do I Need It?
Why Your General Contractor Won't Let You on Site Without Workers' Comp

Find out why your general contractor needs a workers' comp certificate before letting you work on the job site.