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

Start here by submitting a request for a quote:

Application-General Data
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Physical Address
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Mailing Address if Different than above (skip if same)
Policy Info
Rating Information
  1. Workers Comp is priced based on EMPLOYEE PAYROLL. Ghost workers comp assumes a Payroll of "0" (Zero).
  2. Do you have employees?
  3. Do you use subs?
  4. How often do you use subs?



Individuals to be included/excluded from coverage
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Nature of Businsess
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