If you’re a subcontractor, self-employed worker, or small business owner with no employees, you might still be asked for proof of Workers’ Compensation Insurance to qualify for a job or contract.
That’s where a Ghost Policy comes in — a special type of Workers’ Comp coverage designed for one-person operations that need a certificate of insurance (COI) but don’t actually have covered employees.
Understanding the “Ghost Policy”
A Ghost Workers’ Compensation Policy (also called a Waiver Policy) provides proof of Workers’ Comp coverage — even though no actual employees are covered under the policy.
It’s commonly used by:
- Independent contractors
- Owner-operators (especially in trucking and construction)
- Small business owners with no staff
It’s called a “ghost” policy because it covers zero employees — it exists mainly to satisfy contract, compliance, or licensing requirements.
Why Contractors and Subcontractors Need It
Many general contractors, builders, or project owners require every subcontractor to carry Workers’ Comp — even if they’re working solo.
Without it, you may be:
- Denied contracts or job site access
- Classified as an employee of the hiring company (which can raise their insurance costs)
- Ineligible for certain state or government projects
A Ghost Policy lets you stay independent and compliant without paying for full employee coverage.
What a Ghost Policy Covers (and Doesn’t Cover)
✅ Covers:
- Compliance and proof of Workers’ Comp insurance (for contracts, permits, or bids)
- Issuance of an official Certificate of Insurance (COI)
❌ Does NOT cover:
- The owner’s own medical costs or injuries
- Any employees (because the policy is written for “no employees”)
In other words, it keeps your business legal — but doesn’t provide personal injury protection unless you add owner coverage.
How Much Does a Ghost Policy Cost?
Ghost Workers’ Comp policies are typically much cheaper than traditional policies since there’s no payroll to insure.
Pricing varies by state and industry, but most range from $250 to $1,000 per year — depending on your business type and classification.
If you add yourself for coverage as the owner, your premium will increase, but you’ll gain personal injury protection while on the job.
Who Should Consider a Ghost Policy
A Ghost Policy may be right for you if you:
- Have no employees
- Work as a subcontractor or independent tradesperson
- Need to show proof of insurance to get paid or approved for work
- Want to avoid losing contracts due to Workers’ Comp requirements
Get Your Certificate Fast — Stay Compliant
At Upstate’s Choice Insurance, we help small business owners and independent contractors across South Carolina, North Carolina, and Georgia get affordable Ghost Workers’ Comp policies — fast.
Whether you need it for a job bid, contract renewal, or to meet state requirements, we’ll handle everything so you can stay focused on your work.
👷 Get your Workers’ Comp certificate today — often in the same business day!
📍 www.upstateschoice.com