While both are workers’ compensation policies, the purpose is very different.

Regular Workers’ Comp

• Covers W-2 employees
• Premium is based on payroll
• Provides medical and wage benefits

Ghost Workers’ Comp

• No employees listed
• Minimal premium
• Used for compliance and certificates

A ghost policy is not about benefits—it’s about proof and protection. If you later hire employees, the policy can be converted to a standard workers’ comp policy.