May fit
A genuinely owner-only business
- No employees or informal labor
- Owner exclusion is allowed and documented
- Contract asks for policy evidence
- Operations and state are eligible
For business owners who work solo
Your ghost policy.
Made simple.
A few minutes to apply No payment to check fit
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by KinroAs of Oct 12, 2026
by KinroAs of Oct 12, 2026
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Operated by Kinro Insurance Services LLC, a licensed insurance agency.
What is a ghost policy?
“Ghost policy” is an informal term for an owner-excluded workers’ compensation policy used by some businesses with no employees. It may help an eligible owner-only business provide evidence of a policy when a contract calls for workers’ compensation.
The owner is excluded from workers’ compensation injury benefits. This fast path requires one owner and no other paid or unpaid workers, including insured subcontractors, 1099 workers, volunteers or family helpers. Availability depends on the state, work performed and carrier underwriting.
A narrow tool for a narrow situation
Who can get a ghost policy?
This fast path is for a one-owner business. Eligibility also depends on the state, entity type, and work performed.
Pause and review
Anyone else performs work
- Day labor or temporary help
- Family members help on jobs
- Subcontractors are used, even if insured
- The owner expects injury benefits
The audit matters
Zero estimated payroll is not a promise of zero final premium.
Workers' comp policies are commonly audited. Payroll, payments to workers, and certificates from subcontractors can affect the final calculation. Keep records and tell your agent when the business changes.
Common questions
Clear answers to an often-misunderstood policy.
Start with what the policy is, who it is for, and when the facts need another solution.
Read every questionHow long does it take?+
Complete the application in a few minutes, then review, sign and pay securely through SolePro. Signing, binding and certificate delivery have separate steps. Additional underwriting or certificate review can take longer. We show the carrier’s actual status as it becomes available.
Is a ghost policy a real workers' comp policy?+
Yes. The phrase usually describes a workers' compensation policy issued to a business with no employee payroll, with the owner excluded when state law and the policy allow. The policy is real, but an excluded owner generally does not receive workers' comp benefits under it.
Who is a ghost policy designed for?+
It may fit a genuinely owner-only business that has no employees and needs evidence of a workers' comp policy for a contract, job site, or licensing requirement. Entity type, state rules, ownership, and how the work is performed all matter.
Does it cover me if I get hurt?+
Usually not when you are the excluded owner. We will help you identify the exclusion and understand that gap before you choose a policy. Do not treat a certificate as proof that you personally have injury benefits.
Can I get a certificate of insurance?+
After the carrier binds an eligible policy and makes the document available, you can download a standard certificate of insurance. A certificate is evidence of the policy; it does not add coverage, waivers, or endorsements. Special contract wording and requirements for owner injury coverage need licensed-agent review.
What happens if I hire someone?+
Tell your agent before the work begins. Employees, day labor, family help, borrowed workers, and subcontractors (insured or uninsured) can change your legal obligations, classification, payroll, and final premium. A zero-payroll assumption should never be stretched to fit a business that has workers.
Learn more about ghost policy insurance.
Ghost Policy Insurance is operated by Kinro Insurance Services LLC, a licensed insurance agency. “Ghost policy” is an informal industry term. Availability, coverage, and pricing are subject to underwriting, state law, endorsements, exclusions, and policy terms.