Same-Day Workers' Comp Coverage
Apply online, get underwritten instantly, and receive your workers' comp certificate the same business day. No waiting, no phone tags, no delays.
From Application to Certificate
Our streamlined process gets you from zero to certificate in under an hour for most applicants.
Complete Application
Fill out our streamlined online form: business name, EIN or SSN, state, industry description, and contact info. No lengthy questionnaires.
Instant Underwriting
Our system routes your application to the appropriate A-rated carrier for your state and trade. Automated underwriting reviews eligibility in real time.
Binder Issued
Once approved and payment confirmed, a binding confirmation letter is issued immediately. This is your temporary proof of coverage while the formal policy is processed.
Certificate Delivered
Your ACORD 25 Certificate of Insurance is generated and emailed to you — typically within hours of application. Add any GC or certificate holder at no charge.
Same-Day Is Available For Most Contractors
Same-day ghost policy coverage is designed for the most common applicant profile: owner-only businesses in standard-risk trades. Here's who qualifies automatically:
- Sole proprietors and single-member LLCs
- Owner-only businesses with no W-2 employees
- 1099 independent contractors needing a WC cert
- Businesses with no prior WC claims in last 3 years
- Standard-risk trade classifications (most trades qualify)
- New businesses (day-one coverage available)
Some Situations Require Additional Underwriting
Same-day instant approval isn't available for every situation. The following require manual underwriting review (typically 1–3 business days):
- Businesses in monopolistic states (ND, OH, WA, WY)
- High-hazard classifications that require manual underwriting
- Applicants with recent material WC claims history
- Businesses with active employees seeking same-day coverage
Not sure if you qualify for same-day? Start your application and our system will tell you immediately, or call 844-967-5247.
What You Need to Apply
Gather these six pieces of information before you start — the whole application takes under 5 minutes.
Business Legal Name
The exact name on your state business registration or license.
Federal EIN or SSN
Your Employer Identification Number, or Social Security Number for sole props without an EIN.
Operating State
The state where you primarily perform work and need the certificate.
Industry / Trade
A brief description of the work you do — we'll match you to the correct NCCI class code.
Estimated Start Date
When you need coverage to begin. Same-day is standard; future-date policies are also available.
Certificate Holder Info
The name and address of any GC or project owner who needs to be listed on your certificate.
Binder vs. Certificate of Insurance
Understanding the difference between your temporary binder and your formal COI.
Both documents are issued same-day. Most GCs prefer the formal ACORD 25 COI — we deliver both.
“Got my certificate in 2 hours. The GC on my job was shocked it came through so fast. Will use again without hesitation.”
“Applied at 10 AM, had my COI emailed by noon. The whole process was smooth and I didn't have to call anyone.”
“Same-day is no exaggeration. My certificate was in my inbox before I even finished watching TV that evening.”
Same-Day Coverage FAQ
Everything you need to know about our same-day service.
Get Your Certificate Today
No phone calls, no paperwork, no waiting. Start your application now and have your COI in hand before end of business.