[ 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.

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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.

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Certificates (COIs)
Who Is a Certificate Holder? COI Fields Explained Simply

Who is a certificate holder and what do the fields on a COI mean? We explain everything in simple terms.

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Cost & Payment
What Workers' Comp Costs a Solo Handyman

Find out what workers' comp costs for a solo handyman and what affects the price.

What Is a Ghost Policy? Workers' Comp When You Have No Employees
Ghost Policies
What Is a Ghost Policy? Workers' Comp When You Have No Employees

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

What Happens If I Work Without Workers' Comp?
Solo Business Basics
What Happens If I Work Without Workers' Comp?

What happens if you work without workers' comp? Learn the real risks for one-person businesses and how to avoid them.

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Ghost Policies
What a Ghost Policy Does NOT Cover (Read Before You Buy)

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.

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Certificates (COIs)
What a Certificate of Insurance Has to Show for a Handyman

What a handyman needs on a certificate of insurance to prove they are covered for work.

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Solo Business Basics
The One-Page Insurance Checklist for Handymen

Keep your handyman insurance up to date with this easy checklist for staying compliant.

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Solo Business Basics
The 15-Minute Insurance Checklist for New Solo Contractors

A step-by-step 15-minute checklist to get your business insurance started today.

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Solo Business Basics
Renewing Your Policy: What Changes and What to Check

Renew your solo business workers' comp policy with Uno. Learn what to check and what might change.

My Client Wants a Waiver of Subrogation — What Is That?
Certificates (COIs)
My Client Wants a Waiver of Subrogation — What Is That?

Your client wants a waiver of subrogation — what it is and what to do next.

Minimum Premium Explained: Why Small Policies Cost What They Cost
Cost & Payment
Minimum Premium Explained: Why Small Policies Cost What They Cost

Find out why even small policies have a minimum cost and what it means for your business.