Let's look at what is a workers comp ghost policy
If you are a solo contractor or a small business owner with no employees, you've probably been asked what is a workers comp ghost policy by a client who won't let you start a project without one. It sounds like something out of a spooky campfire story, but in the insurance world, it's a very real and common tool. Essentially, a ghost policy is a workers' compensation insurance plan that provides zero actual coverage because there are no employees to cover. It exists primarily so you can hand over a certificate of insurance to a general contractor or a client who requires it before they cut you a check. ...