Skip to main contentSkip to content

Ghost Policy

💼 Business

A minimal workers’ comp policy for an owner with no employees — it satisfies contract requirements for a COI.

🎓 Agent note Great for solo subs who need to show comp to a GC. It excludes the owner, so if they “add” a worker later, the audit will catch it.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.

General Liability (GL) Products Liability Completed Operations Business Owner's Policy (BOP) Commercial Property Business Interruption (Business Income) Workers' Compensation Experience Modifier (EMR / Mod)

← Back to the full Insurance Wiki

Got a risk that needs a human? 👾

Throw it in the Monster Lab, or talk to a licensed agent.

Open the Monster Lab 🧪 Ask an agent
Call Us Get a Quote