Ghost Policy for Owner‑Only Businesses
Need a Workers’ Comp certificate but have no employees and zero payroll? A Ghost Policy can help you meet contract requirements and get a COI fast — without covering payroll you don’t have.
Quick facts
- Designed for sole proprietors / single‑owner LLCs with no W‑2 employees
- Used to obtain a Workers’ Comp certificate (COI) for job or client requirements
- Owner is typically excluded from benefits on Ghost Policies — see policy terms
Availability and rules vary by state and carrier. If you hire employees or report payroll, different coverage applies.
What is a Ghost Policy?
In plain English
A Ghost Policy is a workers’ compensation policy tailored for an owner‑only business with no payroll. It’s commonly used to satisfy contracts that require workers’ comp, even when you don’t have employees.
Who it fits
- Solo trades & contractors required to show a WC certificate
- Single‑member LLCs / 1099 operators with no W‑2 staff
- Owner intends to be excluded from WC benefits
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Ghost Policy — FAQs
Does a Ghost Policy cover me (the owner)?
Generally, no. Ghost Policies are typically issued with the owner excluded, meaning the owner does not receive WC benefits. They are primarily used for certificate/contract compliance.
What if I hire an employee later?
If you add W‑2 employees or start reporting payroll, you’ll need a standard workers’ comp policy with appropriate classifications and limits. Tell us and we’ll help you convert.
Can I get a certificate quickly?
Yes. After purchase and binding, certificates of insurance are typically available very quickly through the carrier/portal.
Is a Ghost Policy allowed in every state?
Rules vary. Some states have specific requirements or may not allow owner exclusion in the same way. We’ll help you navigate what’s permitted where you operate.
Will my client accept this?
Most requestors simply need a valid Workers’ Comp certificate. If they require coverage for the owner or specific endorsements, tell us so we can advise on alternatives.
Coverage and availability vary by carrier and state. This page is for general information only and does not modify policy terms. Final coverage is determined by the issued policy and endorsements.