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Ghost Policy Workers Comp - Let us find your best coverage - low-cost proof of comp for owners with no employees
A ghost policy is a minimum-premium workers comp policy for an owner with no employees who has excluded themselves. It gives general contractors and clients the certificate they ask for. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Ghost Policy (Sole Proprietor) Quote Request
Applicant Information:
Have these handy
- Trade or work you perform
- Who is requiring the certificate
- Subcontractor certificates
- State license number
Related coverage
Coverage details
What Ghost Policy coverage includes
A ghost policy is a minimum-premium workers comp policy for an owner with no employees who has excluded themselves.
- Certificate of insurance - Proof of workers comp for contracts and permits.
- Owner exclusion - Owner is excluded, keeping premium at the minimum.
- Future employees - Covers employees if you hire, with premium at audit.
- Employers liability - Included for any covered employees.
- Contract compliance - Meets most general contractor requirements.
Good to know: a ghost policy does not cover your own injuries – if you hire anyone or use uninsured subs, expect premium to be charged at audit.
Not covered: the owner’s own injuries, since the owner is excluded, and uninsured subcontractors’ payroll picked up at audit.
Insurance Application:
Ghost Policy (Sole Proprietor)
Required forms
Ghost Policy (Sole Proprietor) Supplemental Application (PDF)
Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm