Check your fit
Start with your ZIP, business structure and the work you do.
Owner-only workers’ comp
Your ghost policy.
Made simple.
You work for yourself. Get help meeting a workers’ compensation requirement with a policy built for eligible owner-only businesses.
Check eligibility A few minutes to apply No payment to check fit
Know what you’re buying. All listed owners are excluded from workers’ compensation injury benefits. A certificate does not add coverage.
Workers’ comp is unavailable through this program in North Dakota, Ohio, Washington and Wyoming. Other eligibility and underwriting requirements apply.
Kinro Insurance Services LLC, a licensed insurance agency. Availability, pricing and coverage depend on underwriting and policy terms.
What is a ghost policy?
Policy evidence.
Clear expectations.
“Ghost policy” is an informal term for an owner-excluded workers’ compensation policy for a business with no employee payroll. It may help an eligible owner-only business show evidence of a policy when a contract requires workers’ comp.
This online path is for businesses where only the listed owners work. Employees, insured or uninsured subcontractors, 1099 workers, day labor, volunteers and family helpers require agent review.
Review your quote
Complete the required questions and review the carrier’s actual response.
Sign, pay and get proof
Continue securely with SolePro when eligible. A standard certificate follows carrier-confirmed binding and document availability.
Common questions
Get the details.
Before you decide.
How long does it take?
Complete the application in a few minutes, then review, sign and pay securely through SolePro. Signing, binding and certificate delivery have separate steps. Additional underwriting or certificate review can take longer. We show the carrier’s actual status as it becomes available.
Is a ghost policy a real workers' comp policy?
Yes. The phrase usually describes a workers' compensation policy issued to a business with no employee payroll, with the owner excluded when state law and the policy allow. The policy is real, but an excluded owner generally does not receive workers' comp benefits under it.
Who is a ghost policy designed for?
It may fit a genuinely owner-only business that has no employees and needs evidence of a workers' comp policy for a contract, job site, or licensing requirement. Entity type, state rules, ownership, and how the work is performed all matter.
Does it cover me if I get hurt?
Usually not when you are the excluded owner. We will help you identify the exclusion and understand that gap before you choose a policy. Do not treat a certificate as proof that you personally have injury benefits.
Can I get a certificate of insurance?
After the carrier binds an eligible policy and makes the document available, you can download a standard certificate of insurance. A certificate is evidence of the policy; it does not add coverage, waivers, or endorsements. Special contract wording and requirements for owner injury coverage need licensed-agent review.
What happens if I hire someone?
Tell your agent before the work begins. Employees, day labor, family help, borrowed workers, and subcontractors (insured or uninsured) can change your legal obligations, classification, payroll, and final premium. A zero-payroll assumption should never be stretched to fit a business that has workers.