Ghost Workers Comp in Minutes
Instant quotes. Same-day certificates. No employees required. Get the workers comp certificate your contractor license demands — without the hassle.
Get Covered Today
From application to certificate in four quick steps. No paperwork, no waiting.
Fill Quick Form
Tell us your business type, state, and trade. Takes under 90 seconds.
Get Instant Quote
Our system pulls real-time rates from A-rated carriers.
Confirm & Pay
Secure payment portal — major cards, ACH, or monthly payments.
Download Certificate
Your COI downloads instantly and is emailed to you automatically.
Workers Comp Without Employees
A ghost workers compensation policy is a legitimate insurance product for sole proprietors and business owners who have no employees (or exclude themselves from coverage). It provides a certificate of insurance that satisfies state contractor licensing requirements.
- Satisfies contractor license WC requirements
- Recognized by state licensing boards nationwide
- Allows you to bid on general contractor jobs
- No payroll audit — nothing to report
- Add employees later without policy changes
- Premium is minimal — you're not insuring a payroll
Our Coverage Options
Everything a self-employed contractor needs — from the initial ghost policy to audit defense.
Speed, Price, Reliability
Fastest Quotes
Average 90-second quote — no phone call required.
A-Rated Carriers
Coverage from top-rated, financially stable insurers.
Same-Day Service
Apply today, certificate in hand today.
Licensed in 47 States
One call, nationwide coverage options.
Common Questions
Answers to what contractors ask most often about ghost WC policies.
Your Ghost WC Certificate Awaits
Join 3,200+ contractors who got covered fast. Start your quote now — no obligation.