Can I get a ghost policy in Indiana?
Yes. UNO Insurance (unoinsure.com) sells ghost policies — owner-only workers' comp for a business with no employees — in Indiana, written by Cimarron Insurance Company. The premium is from $176 to $1,500 a year, depending on your trade's class code, plus the $250 Audit Fee, paid together in one payment. The owner rejects coverage, and the policy gives you the certificate a contract or license asks for.
How much does a ghost policy cost in Indiana?
The yearly premium is set by your trade's class code: from $176 to $1,500 in Indiana. Add the $250 Audit Fee — Powered by Audit1, and you pay both together, in one payment. Each trade's premium is listed below.
If a contract asks for a waiver of subrogation, a Blanket Waiver of Subrogation adds $150 a year.
What does Indiana law say about workers' comp?
- Who must carry it
- Every employer covered by the Act, except those the law exempts; no minimum number is stated. Source: WCB: Compliance, citing IC 22-3-5-1
Read from Indiana's own pages on October 16, 2026. Rules change: check the source before you rely on one.
Even where the law does not require it, one-person businesses buy a ghost policy because a general contractor, a client, a franchisor or a licensing office asks for a certificate of workers' comp.
Who can get a ghost policy in Indiana?
A one-person business where the owner does all the work. You're a fit if:
- You're the only person working.
- You have no W-2 employees and no plans to hire.
- You use no subcontractors of any kind — not even ones who carry their own insurance — and no 1099 workers or day labor.
- No family member helps with the work, paid or unpaid.
- Your work never takes you above 15 feet.
- Your business is in Indiana.
If anyone else works for you, you need regular workers' comp, not a ghost policy. Work above 15 feet is an automatic decline, so roofers and other work at heights can't be covered.
Which trades can get a ghost policy in Indiana?
Cimarron Insurance Company writes 78 trades (class codes) in Indiana. Each one's yearly premium is next to it.
See the 78 trades
- 0042 LANDSCAPE GARDENING & DRIVERS$1,051
- 2041 CANDY, CHOCOLATE, AND CONFECTION MFG$787
- 2070 DAIRY OR CREAMERY & ROUTE SUPERVISORS, DRIVERS$1,124
- 2105 FRUIT PACKING$878
- 2417 CLOTH PRINTING$406
- 2501 UMBRELLA MFG$696
- 2503 DRESSMAKING OR TAILORING CUSTOM EXCLUSIVELY$374
- 2585 LAUNDRY NOC & ROUTE SUPERVISORS, DRIVERS$793
- 2802 CARPENTRY SHOP ONLY & DRIVERS$1,149
- 2881 FURNITURE MANUFACTURING AND CABINET SHOP--ASSEMBLY BY HAND--WOOD$746
- 3365 WELDING OR CUTTING NOC & DRIVERS$963
- 3383 BUCKLE MFG. SILVER$421
- 3385 CAMERA REPAIR$321
- 4250 PAPER CORRUGATING OR LAMINATING$510
- 4299 PRINTING$551
- 4361 PHOTOGRAPHER ALL EMPLOYEES & CLERICAL, SALESPERSONS, DRIVERS$352
- 5022 MASONRY NOC$1,203
- 5146 FIXTURES OR FURNITURE INSTALLATION--PORTABLE--NOC$903
- 5183 PLUMBING NOC & DRIVERS$582
- 5188 SPRINKLER INSTALLATION & DRIVERS$648
- 5190 ELECTRICAL WIRING WITHIN BUILDINGS & DRIVERS$582
- 5191 OFFICE MACHINE INSTALLATION, INSPECTION, ADJUSTMENT, OR REPAIR$390
- 5192 VENDING OR COIN OPERATED MACHINES--INSTALLATION, SERVICE, OR REPAIR & SALESPERSONS, DRIVERS$784
- 5215 CONCRETE WORK--INCIDENTAL TO THE CONSTRUCTION OF PRIVATE RESIDENCE$1,099
- 5221 CONCRETE OR CEMENT WORK--FLOORS, DRIVEWAYS, YARDS, OR SIDEWALKS & DRIVERS$938
- 5223 SWIMMING POOL CONSTRUCTION NOT IRON OR STEEL & DRIVERS$1,099
- 5348 CERAMIC TILE, INDOOR STONE, MARBLE, OR MOSAIC WORK$781
- 5437 CARPENTRY INSTALLATION OF CABINET WORK OR INTERIOR TRIM$1,000
- 5445 WALLBOARD, SHEETROCK, DRYWALL, PLASTERBOARD, OR CEMENT BOARD INSTALLATION--WITHIN BUILDINGS & DRIVERS$973
- 5474 PAINTING NOC & SHOP OPERATIONS, DRIVERS$1,291
- 5478 FLOOR COVERING INSTALLATION--RESILIENT FLOORING--CARPET AND LAMINATE FLOORING$711
- 5480 PLASTERING NOC & DRIVERS$1,218
- 5491 PAPERHANGING & DRIVERS$469
- 5537 HEATING, VENTILATION, AIR-CONDITIONING AND REFRIGERATION SYSTEMS--INSTALLATION, SERVICE AND REPAIR, SHOP, YARD & DRIVERS$853
- 7219 TRUCKING NOC ALL EMPLOYEES & DRIVERS$1,344
- 7380 DRIVERS AND HELPERS NOC - COMMERCIAL$1,067
- 7605 BURGLAR AND FIRE ALARM INSTALLATION OR REPAIR & DRIVERS$595
- 8001 FLORIST STORE & DRIVERS$689
- 8008 STORE--CLOTHING, WEARING APPAREL, OR DRY GOODS--RETAIL$500
- 8010 STORE--HARDWARE$544
- 8013 STORE--JEWELRY$245
- 8015 QUICK PRINTING--COPYING OR DUPLICATING SERVICE--ALL EMPLOYEES & CLERICAL, SALESPERSONS, DRIVERS$314
- 8017 STORE--RETAIL NOC$484
- 8018 STORE--WHOLESALE--NOC$825
- 8021 STORE--MEAT, FISH OR POULTRY DEALER--WHOLESALE$692
- 8031 STORE--MEAT, FISH OR POULTRY--RETAIL$711
- 8032 STORE--DRY GOODS--WHOLESALE$601
- 8102 BEAN SORTING OR HANDLING$510
- 8103 CLIPPINGS DEALER$740
- 8111 PLUMBERS' SUPPLIES DEALER & DRIVERS$639
- 8116 FARM MACHINERY DEALER--ALL OPERATIONS & DRIVERS$702
- 8235 SASH, DOOR, OR ASSEMBLED MILLWORK--DEALER & DRIVERS$982
- 8293 WAREHOUSING--FURNITURE & DRIVERS$1,500
- 8380 AUTOMOBILE--SERVICE OR REPAIR CENTER & DRIVERS$604
- 8392 AUTOMOBILE STORAGE GARAGE, PARKING LOT OR PARKING STATION, VALET SERVICE, CASHIERS OR COUNTER PERSONNEL & DRIVERS$651
- 8393 AUTOMOBILE--BODY REPAIR & DRIVERS$519
- 8601 ARCHITECTURAL OR ENGINEERING FIRM--INCLUDING SALESPERSONS & DRIVERS$229
- 8602 SURVEYORS, TIMBER CRUISERS, OIL OR GAS GEOLOGISTS OR SCOUTS, & DRIVERS$421
- 8603 ARCHITECTURAL OR ENGINEERING FIRM--CLERICAL$179
- 8720 INSPECTION OF RISKS FOR INSURANCE OR VALUATION PURPOSES NOC$440
- 8721 REAL ESTATE AGENCY--OUTSIDE EMPLOYEES & COLLECTORS$220
- 8742 SALESPERSONS OR COLLECTORS—OUTSIDE$214
- 8748 AUTOMOBILE SALESPERSONS$255
- 8803 AUDITOR, ACCOUNTANT, OR COMPUTER SYSTEM DESIGNER OR PROGRAMMER--TRAVELING$176
- 8810 CLERICAL OFFICE EMPLOYEES NOC$201
- 8831 HOSPITAL VETERINARY & DRIVERS$431
- 8868 SCHOOL--PROFESSIONAL EMPLOYEES & CLERICAL$255
- 9012 BUILDING OR PROPERTY MANAGEMENT--PROPERTY MANAGERS AND LEASING AGENTS & CLERICAL, SALESPERSONS$377
- 9014 JANITORIAL SERVICES BY CONTRACTORS--NO WINDOW CLEANING ABOVE GROUND LEVEL & DRIVERS$673
- 9015 BUILDING OR PROPERTY MANAGEMENT--ALL OTHER EMPLOYEES$727
- 9063 HEALTH OR EXERCISE INSTITUTE & CLERICAL$365
- 9083 RESTAURANT: FAST FOOD$431
- 9102 PARK NOC--ALL EMPLOYEES & DRIVERS$894
- 9402 STREET CLEANING & DRIVERS$1,039
- 9519 AIR CONDITIONING SYSTEMS--PORTABLE UNITS--INSTALLATION, SERVICE OR REPAIR & DRIVERS$970
- 9521 HOUSE FURNISHINGS INSTALLATION NOC & UPHOLSTERING$752
- 9522 UPHOLSTERING$642
- 9586 BEAUTY SHOP, BARBER SHOP, OR HAIR STYLING SALON$258
Compare every trade and price across all 14 states · Not sure which is yours? What is a class code?
More questions
- How much does a ghost policy cost in Indiana?
- From $176 to $1,500 a year, depending on your trade's class code, plus the $250 Audit Fee, paid together in one payment. The online quote shows your exact price in about 3 minutes.
- Who must carry workers' comp in Indiana?
- Every employer covered by the Act, except those the law exempts; no minimum number is stated. (Source: WCB: Compliance, citing IC 22-3-5-1.) Many one-person businesses buy a ghost policy anyway, because a general contractor, a client or a licensing office asks for a certificate of workers' comp.
- Who writes UNO ghost policies in Indiana?
- Cimarron Insurance Company writes every UNO ghost policy in Indiana. UNO Insurance is not an insurer.
- How fast can I get a ghost policy in Indiana?
- The quote takes about 3 minutes. Cimarron issues your policy within 24 business hours of payment and signed documents, and the certificate of insurance is ready to download after the policy is issued.
- Does a ghost policy in Indiana cover the owner?
- No. A 👻Ghost Policy never covers the owner; if you want coverage for yourself, you need regular workers' comp.
Other states
- AlabamaAL
- ArkansasAR
- IllinoisIL
- IowaIA
- KansasKS
- MississippiMS
- MissouriMO
- MontanaMT
- NebraskaNE
- New MexicoNM
- South CarolinaSC
- South DakotaSD
- VirginiaVA
What is a ghost policy? The full guide
Your Indiana price in about 3 minutes.
Cimarron issues your policy within 24 business hours of payment and signed documents.