What is a Ghost Workers Compensation Policy?

  • A “ghost” workers’ compensation policy is primarily used for contractual compliance when no employees are present and the owner does NOT want to cover themselves.
  • Think of it as a temporary measure, not a comprehensive solution.offers a certificate of insurance but no actual benefits.It meets specific contractual requirements.
  • Crucially, the owner is excluded from coverage under this policy. This means they would be personally liable for medical expenses and lost wages in the event of a work-related injury.
  • This policy is still subject to audit for payroll and subcontractor costs.

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