Curious about workers' comp ghost policies?

Let's clear things up.

A “ghost policy” is nothing to be scared of.

In fact, it can mean peace of mind.

So, what is a workers' comp ghost policy?

It's a real, fully legal workers' compensation policy, but for business owners who don't have employees.

The owner is also excluded from this coverage.

You read that right — Because there are no employees, the policy covers no one. Hence, “ghost policy”.

Not every state allows workers’ comp ghost policies

— check your local laws.

But, why would anyone have a ghost policy?

Some clients or jobs require proof  of workers’ comp coverage.

And a ghost policy can be a budget-friendly alternative.

Simply Business offers a type of ghost policy called Solo X.

Solo X doesn’t offer workers’ comp protection to the owner, but has an accident policy offering a fixed amount for certain injuries.

Is a workers’ comp ghost policy  right for you?

Diagnose Your Coverage