Can I get a ghost policy in Virginia?

Yes. UNO Insurance (unoinsure.com) sells ghost policies — owner-only workers' comp for a business with no employees — in Virginia, written by Cimarron Insurance Company. The premium is $1,000 a year, the same for every trade we write in Virginia, 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 Virginia?

The yearly premium is $1,000, the same for every trade Cimarron Insurance Company writes in Virginia. Add the $250 Audit Fee — Powered by Audit1, and you pay both together, in one payment.

If a contract asks for a waiver of subrogation, a Blanket Waiver of Subrogation adds $150 a year.

What does Virginia law say about workers' comp?

Who must carry it

Businesses with more than two part-time or full-time employees must carry it. Source: VA Workers' Compensation Commission, Frequently Asked Insurance Questions for Employers, Q1

Owners and officers

A sole proprietor with no employees and no subcontractors need not carry coverage. Source: VA Workers' Compensation Commission, Employer FAQ, Q2

Read from Virginia'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 Virginia?

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 Virginia.

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 Virginia?

Cimarron Insurance Company writes 79 trades (class codes) in Virginia.

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 Virginia?

$1,000 a year, the same for every trade Cimarron writes in Virginia, plus the $250 Audit Fee — $1,250 in one payment. The online quote shows your exact price in about 3 minutes.

Who must carry workers' comp in Virginia?

Businesses with more than two part-time or full-time employees must carry it. (Source: VA Workers' Compensation Commission, Frequently Asked Insurance Questions for Employers, Q1.) 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 Virginia?

Cimarron Insurance Company writes every UNO ghost policy in Virginia. UNO Insurance is not an insurer.

How fast can I get a ghost policy in Virginia?

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 Virginia 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
• IndianaIN
• IowaIA
• KansasKS
• MississippiMS
• MissouriMO
• MontanaMT
• NebraskaNE
• New MexicoNM
• South CarolinaSC
• South DakotaSD

What is a ghost policy? The full guide