For one-person operations, independent contractors, and paper GCs
If you’re self-employed with no workers or operate as an independent contractor, Workers’ Compensation coverage typically isn’t required. However, many clients require proof of coverage before awarding a contract. Similarly, if you’re a general contractor managing jobs with significant subcontractor exposure but no payroll, you may also need to provide proof of Workers’ Comp to secure projects.
At CCIS, our Workers’ Compensation Ghost Policy offers a simple, affordable solution designed specifically for one-person businesses and general contractors.
Who Needs a Ghost Policy?
A Ghost Policy is ideal for independent contractors, consultants, or sole proprietors who have no employees but still need proof of coverage to meet client or project requirements. It’s also a smart choice for paper general contractors who subcontract most or all of their work.
Inside our Workers’ Comp Ghost Policy
Our Workers’ Comp Ghost Policy is designed to fit your needs and show proof of coverage. While the policy doesn’t provide coverage or any benefits, it enables you to meet contractual obligations and land more jobs.
Premiums for a Ghost Policy are based on payroll, and since there’s typically no payroll for sole operators, it’s usually much more affordable than standard Workers’ Comp insurance. An audit is performed before renewal to confirm you still have no employees, with premium adjustments made if your business grows.
For Paper General Contractors
With CCIS’ program, general contractors with a subcontractor exposure over 50% and up to 100% can also obtain a Workers’ Compensation policy.
Contact our team at (800) 432-2641 to check your eligibility and get a customized quote for our Ghost Policy and GC Program.
Why Choose CCIS for Workers’ Comp Coverage?
With years of experience helping contractors meet licensing and insurance requirements, CCIS provides fast, compliant, and affordable Workers’ Compensation solutions. Our expert advisors ensure you have the right policy to satisfy state and client requirements—without paying for unnecessary coverage.
Coverage and eligibility vary by state and underwriting guidelines. CCIS is a licensed insurance agency, not an insurer.
