If you’re a contractor or subcontractor, you’ve probably been asked for a Certificate of Workers’ Compensation—even if you don’t have employees.

This requirement exists because:

• Contractors want to avoid being liable for your injuries
• States want to prevent uninsured workplace claims
• Audits can reclassify uninsured subs as employees

Without a ghost policy, a general contractor’s insurance carrier may:

• Add your payroll to their policy
• Charge them additional premium
• Refuse to work with you altogether

A ghost workers’ comp policy protects both parties and keeps projects moving forward.