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 Choice Insurance can help.

What Is a Ghost Policy?

A ghost workers’ comp policy is a minimum premium insurance plan designed for business owners with no employees who are exempt from coverage themselves.

• It provides proof of insurance (a COI) to meet contract requirements.
• It does not cover medical or wage benefits for the business owner.
• It’s the most affordable way to stay compliant and competitive when bidding for jobs.

In short, it’s a policy that exists mainly on paper—hence the name “ghost policy.”

Why Contractors and Small Business Owners Choose Ghost Policies

• Meet Contract Requirements – Many general contractors won’t work with subs unless they have proof of coverage.
• Stay Legally Compliant – Some states require every registered business to carry workers’ comp, even if they’re exempt.
• Keep Costs Low – With no employees, you’ll pay only the minimum premium for the certificate.

Why Get Your Ghost Policy Through Upstate’s Choice?

At Upstate’s Choice Insurance, we make securing a ghost workers’ comp policy fast, easy, and affordable. Here’s why contractors and small business owners across South Carolina and beyond choose us:

✅ Local Expertise – We understand state regulations and contractor requirements, so you’ll always know you’re in compliance.
✅ Simple Process – We’ll guide you step-by-step, from application to getting your Certificate of Insurance in hand.
✅ Affordable Rates – Our team shops multiple carriers to make sure you get the best possible price.
✅ Trusted by Contractors – We specialize in policies for tradespeople, independent contractors, and small business owners.

Who Should Call Us About a Ghost Policy?

• Independent contractors (carpenters, electricians, plumbers, handymen, etc.)
• One-person LLCs or sole proprietors working under a larger contractor
• Subcontractors needing proof of insurance to get paid
• Business owners in states that permit ghost policies

Don’t Let Paperwork Hold You Back

The last thing you want is to lose out on a project because you can’t show proof of workers’ comp coverage. With a Ghost Policy from Upstate’s Choice, you’ll have the certificate you need—without paying for coverage you don’t.

📞 Call 864-845-7500 today or visit www.upstateschoice.com to get started.

At Upstate’s Choice, we make insurance simple, affordable, and tailored to your needs—so you can focus on what matters most: growing your business.