Running a business comes with risks — and protecting your employees is one of the smartest investments you can make. Workers’ Compensation Insurance helps cover medical bills, lost wages, and rehabilitation costs if an employee gets hurt or sick while performing job-related duties. Even a small accident can turn into a big financial burden. With […]

If you’re an independent contractor or run a one-person business, chances are you’ve been asked to provide a Certificate of Insurance (COI) for workers’ compensation—even though you don’t have employees. That’s where a Ghost Workers’ Compensation Policy comes in. At Upstate’s Choice Insurance, we help contractors and business owners secure ghost policies quickly, affordably, and […]

Running your business as a sole proprietor or one-person LLC has its perks—flexibility, control, and independence. But it can also come with unique challenges, especially when contractors or clients require a Certificate of Insurance (COI) for workers’ compensation, even though you don’t have employees. That’s where a Ghost Workers’ Compensation Policy comes in—and where Upstate’s […]

What Is a Ghost Workers’ Compensation Policy? A ghost policy, sometimes called a minimum premium or sole proprietor workers’ compensation policy, is crafted for one-person businesses where the owner is excluded from coverage, and there are no employees. In essence, it offers no actual benefits—it exists purely to provide proof of insurance.InsureonTechInsuranceSimply Business Why Ghost […]