One of the biggest misconceptions is that workers’ comp is expensive.

In reality, ghost workers’ comp policies are very affordable.

Typical costs:

• Often a few hundred dollars per year
• No payroll-based premium
• No surprise audit bills when structured correctly

Pricing depends on:

• Business type
• State requirements
• Risk classification

At Upstate’s Choice Insurance, we specialize in low-cost ghost policies designed specifically for owner-only businesses.