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WebThe concept of a ghost policy is to ensure that there is coverage in place in case you hire employees or an uninsured subcontractor to assist with a job. If there is an injury on the job without this coverage in place, the claim … WebGhost policies essentially provide insurance for no one. These policies are simply certificates that are given by the sub-contractor to the person that he or she is working for in order to protect the general contractor from liabilities associated with injuries sustained by the subcontractor or his or her workers. WebWorkers Compensation Ghost Policy Workers Comp Subcontractors Finance Workers Comp 32 states . Description. Low workers compminimum premiums and down payments for small business- including ghost policies for subcontractors, artisans, and truckers. Competitive markets for all classes and payrolls- including high mods complex exposures. childcare city and guilds