[ 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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Certificates (COIs)
How to Get a Certificate of Insurance in Under an Hour

Get a Certificate of Insurance in under an hour. No employees? No problem. Your business can look professional fast.

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Cost & Payment
How Much Does Workers' Comp Cost for One Person?

Find out how much workers' comp costs for a one-person business and how to get your quote today.

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Ghost Policies
Ghost Policy vs. Regular Workers' Comp: The Real Difference

Ghost policies cover your business, not you. Regular workers' comp includes employees. Here's the real difference.

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Solo Business Basics
Getting Paid Faster: Why Having Insurance Wins You Bigger Jobs

Need bigger jobs? Learn how insurance helps you get on the list. A certificate of insurance is often required before you can bid.

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Solo Business Basics
From Side Hustle to Real Business: The Insurance Steps in Order

Turn your side hustle into a real business with clear insurance steps.

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Do I Need It?
Does a Handyman Need Insurance Before the First Job?

A handyman needs insurance before the first job. Here's why and how to get it in minutes.

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Ghost Policies
Do Sole Proprietors Need to Cover Themselves? (Owner Inclusion/Exclusion)

Do you need to cover yourself in your workers' comp policy? Learn what owner inclusion means and how it works.

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Do I Need It?
Do I Need Workers' Comp If I'm Self-Employed?

Do you need workers' comp as a self-employed person? Your state decides. Get your quote to find out.

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Ghost Policies
Can I Add an Employee Later? Growing Out of a Ghost Policy

Add an employee later? Learn how to grow out of a ghost policy and get the right coverage.

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Ghost Policies
Can a Handyman Get a Ghost Policy?

A handyman can get a ghost policy for workers comp to show proof of coverage without needing to cover themselves.

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Certificates (COIs)
Additional Insured vs. Certificate Holder: One-Minute Answer

A simple explanation of what an additional insured and certificate holder are in insurance.