Workers compensation is required in most states for most employers. If you have employees or are about to hire your first employee, you should make sure you know what your responsibilities are for covering your staff.
Many contractors find they’re required to have workers’ compensation insurance to satisfy contractual requirements, and elect to have a workers’ comp policy that doesn’t actually cover any workers and/or employees. We call these policies “Workers’ Comp Ghost Policies,” albeit so-called “ghost policies” are one in the same as any other policy regarding coverage with the one exception of no employees are listed at the inception of the policy. We write a lot of workers’ comp policies, both with employees and without. If you want to know more specifically about “ghost policies” you can learn more about them by CLICKING HERE, or simply filling out the form below and receiving a quote and discussion regarding coverage.