About

Sole Proprietors, Partnerships,  and the LLC or Corporate business can now get a "Ghost Workers Comp" policy aka "Certificate Only" workers comp for a down payment  of approximately $200.00+- and 8 monthly payments of $100.00.  There is a catch.  The company we use requires that the customer also purchase general liability insurance.   General Liability traditionally has a down payment for LESS than $200.00 and 8 monthly payments of approximately $60.00.

Ghost Workers Comp works well for the following type of businesses with NO employees and No contracted labor:

Air Conditioning Systems or Equipment
Appliance & Accessories Installation Service & Repair
Awning Installation
Cable TV & Satellite -- Home Installation
Carpet and Floor Covering Installation
Carpet, Rug, Furniture or Upholstery Cleaning - On Customer Premises
Counter Top Installation
Driveway, Parking Area or Sidewalk Paving (includes Flat Cement Work)
Excavation
Executive Superviors or Superintendents
Fence Erection
Furniture and Fixture Installation - Commercial
Glass Dealers and Glazers
Grading of Land and site Preparation
Heating - Combined HVAC
House Furnishing Installations - NOC (no Upholstering)
Janitorial Services
Landscape Gardening (includes Pesticide or Herbicide applicators Coverage)
Lawn and garden sprinkler installation
Lawn care services (includes Pesticide or Herbicide applicators Coverage)
Monument engraving and installation
Painting - Exterior
Painting - Interior
Paperhanging
Permanent Yards - Maintenance or storage
Plumbing - Residential or Light Commercial
Power Washers - Three stories or less
Refrigeration Systems - Servicing
Septic Tank cleaning
Septic tank installion, service or repair
Siding, gutter and downspout installation - other than wood - three stories or less
Sign installation and repair
sign painting and lettering
swimming pool servicing - private residences only (no major repair)
Television or Radio Service
Tile, Stone, Marble - interior
Water softening Equipment Installation

EXCLUDED BUSINESS TYPES ARE:
Construction classes
Electricians