Short answer: Very likely, yes.

Even though you’re paid as a 1099 contractor:

• States may still consider you a worker
• General contractors may require coverage
• Insurance audits don’t accept “1099 only” as proof

A ghost workers’ comp policy:

• Prevents reclassification issues
• Keeps you compliant
• Protects your business relationships

This is especially common in construction, landscaping, trucking, roofing, and trades.