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 with confidence.

What Makes a Ghost Policy Different?

A ghost workers’ comp policy is a special type of coverage designed for business owners who:

• Work alone (no employees or uninsured subcontractors)
• Are legally exempt from carrying workers’ comp for themselves
• Still need a certificate to meet contract or state requirements

This type of policy doesn’t provide benefits for the owner—it exists primarily to show proof of insurance while keeping costs low.

Why Choose Upstate’s Choice for Your Ghost Policy?

• Fast Certificates – Need proof of insurance right away? We’ll get you the paperwork you need quickly so you don’t miss out on work.
• Contractor-Friendly Service – We specialize in policies for trades and small businesses, so we understand what general contractors are looking for.
• Affordable Pricing – Ghost policies are already budget-friendly, and we’ll shop the best carriers to find you the lowest possible rate.
• Local Expertise – Based right here in South Carolina, we know the rules and requirements that apply to your business.

Perfect for:

• Contractors and subcontractors bidding on new jobs
• One-person LLCs or sole proprietors in construction, HVAC, plumbing, or electrical work
• Small business owners who need to satisfy state or client requirements

Take the Next Step Today

Don’t let missing paperwork cost you your next job. A Ghost Workers’ Compensation Policy from Upstate’s Choice gives you the coverage proof you need—without unnecessary costs.

👉 Call us at 864-845-7500 or visit www.upstateschoice.com to request your ghost policy today.

With Upstate’s Choice Insurance, you get more than a certificate—you get a trusted partner who understands your business.