Ghost Workers Compensation Insurance
When your employees misclassify themselves or go unreported, your business faces workers comp audit exposure, employer liability risk, and retroactive premium bills. We specialize in exactly this situation.
50+
States Licensed
20+
Years Experience
A+
Rated Carriers
24h
Quote Turnaround
What Is a Ghost Workers Comp Policy?
A ghost workers compensation policy—sometimes called a ghost WC policy or shell policy—is a legitimate, carrier-issued workers compensation insurance policy where the employer is listed but no employees are covered at issuance.
The term “ghost” refers to the absence of covered employees, NOT to any fraudulent practice. Ghost policies are commonly used by sole proprietors, LLC owners, and small employers who must show proof of WC insurance to satisfy contract requirements or state licensing rules.
Legally issued by admitted carriers in all 50 states
Satisfies licensing board and GC contract requirements
COI available immediately upon policy issuance
Audit exposure must still be managed—ghost policies don't eliminate it
Audit Risk
$40K+
Avg. retroactive premium bill
Ghost Workers Comp Coverage Types
Every ghost employee situation is different. We offer specialized coverage for the full spectrum of employer liability and audit protection needs.
5.0 Average Rating
From 400+ employer clients
Former Contractors Who Know the Risks
Contractors Choice Agency was founded by former contractors and construction business owners who experienced workers comp audits, ghost employee situations, and employer liability claims firsthand.
Niche Expertise
We exclusively serve employers in trades and contracting. Ghost WC is our core competency, not a footnote.
Carrier Access
Access to A-rated carriers who write ghost policies in difficult states—not just the easy markets.
Audit Defense Support
We don't just sell policies—we walk with you through audit disputes, premium reconciliations, and carrier negotiations.
All 50 States
Multi-state employers get one broker who handles everything. No referrals to state-specific agents.
How to Get Your Ghost WC Policy
From initial contact to certificate of insurance—typically within 24 hours.
Tell Us Your Situation
Complete our short quote form or call us. Describe your ghost employee situation, audit status, and coverage needs.
We Review Your Risk
Our specialists assess your exposure: payroll classification, state requirements, audit timeline, and prior coverage.
Get Custom Quotes
We shop A-rated carriers who specialize in ghost policies and present you with options within 24 hours.
Bind & Get Your COI
Once you choose a policy, we bind coverage and issue your certificate of insurance typically the same business day.
Employers We've Protected
“Our workers comp audit came back with three employees who had misrepresented their job class. The Contractors Choice team helped us get employer liability coverage retroactively and defended us through the audit process. Saved us over $40,000 in penalties.”
Marcus T.
General Contractor, Texas
“We use a lot of 1099 workers and needed proof of WC to land contracts with larger clients. The ghost policy was fast, affordable, and our COI was issued same day. Highly recommend.”
Sandra L.
Staffing Agency Owner, Florida
“Ghost employees are a real risk in construction. CCA was the only agency that understood our situation—unreported payroll from a subcontractor—and found us a carrier willing to write the policy.”
James R.
Electrical Contractor, Ohio
Ghost WC Insurance FAQs
Don't Wait for an Audit Notice.
Get Protected Today.
Whether you need a ghost policy, audit protection, or employer liability coverage—our specialists will find the right solution for your specific situation.
Mon–Fri 8am–5pm MST · Licensed in all 50 states · No obligation quote