Do you operate a one-man business and use subcontractors? A Ghost Policy is a Workers' Comp where there is only one owner, and the owner excludes themselves from the policy and does not have employees on their payroll. TWIA Ghost Policy State Pool One Man Workers Compensation provides a practical and affordable option for one-man operations needing to show that they have worker's compensation.

Take your business to the next level with TWIA Ghost Policy State Pool One Man Workers Compensation.

Purchasing Process 1. Place Order 2. Receive email confirmation. 3. Complete the Application and Provide Payment Details.

Pricing: Payment Plan Option: $400.00 Down with 9 payments of 145.21

Requirements- Application and down payment.

Estimated Time Frame- 5 to 15 minutes to complete the application. Once an Application is submitted, it can take up to 5 days to have the application cleared through the state.

TWIA Ghost Policy State Pool One Man Workers Compensation.

If you are a one man operation, and you use subcontractors, this is an option to consider.

If you are a one man operation and you can't get approved by any other carrier due to your industry, this is the option for you.

This is a Ghost Policy through the State Workers Compensation Pool.

A Ghost Policy is a Workers Comp where there is one owner. The owner excludes themselves from the policy. The owner also does not have any employees on their payroll.

Workers Comp premium or cost is 100% dependent on the payroll of a company and the operating classification.

If you DO ever use a subcontractor, unless they have their own workers comp coverage, you will be charged a premium for the amount of payroll that you pay them.

DO NOT GET this Policy if you plan on using uninsured subcontractors.

Our State Pool programs allow you to make payments, unlike other state pool options.

This option can take up to 7 days once the application is initiated. DO NOT wait until the last minute, this cannot be rushed. This is the States Workers Compensation Pool, they will review your application and make sure there are no past workers comp violations etc. Also, there is a finance company that we will use that will allow you to make payments as quoted. (No credit check). 

If you need a certificate of insurance, we will issue one as fast as we can.

If you need A Ghost Policy to get that contract, look no further, we have the solution.

Our process and resources allow us to scale the process. Many brokerages will not even provide State Pool Ghost Policies, and if they do, they require payment in full upfront due to the perceived headaches involved.

But if you stick to our basic rule, Do NOT use Uninsured Contractors, you will not have any issues.

Start your order now.

Are you a business that needs worker's compensation insurance?

Worker's Compensation is constantly evolving. Stay ahead of the curve by partnering with TWIA and get the right coverage for your business. Request a quote today. Look no further than TWIA's General Industry Workers Compensation Insurance. With us, you get tailored solutions for your unique business needs. We are experienced in covering businesses of all sizes, from 1-man operations up to 250 employees and beyond.

TWIA has the right worker's compensation solution for you. We'll help you save time and money by taking care of all the complicated details and providing comprehensive coverage.

Pricing- Depends on various factors such as payroll, number of employees, and loss history.

Purchasing Process 1. Order your quote 2. Receive Email confirmation 3. Access the Portal from the link in the email to complete an online application. Depending on your industry and the amount of coverage you need, you may be required to submit loss history and underlying policy declaration pages per underwriting.

Requirements- Application  and Loss History - 5 Years "currently valued" loss runs (If applicable)

Estimated Time Frame- 5 to 15 minutes to complete the application. Turnaround time for quotes is currently 1-2 hours. for most non-construction-related industries, it can take as long as 3 to 5 business days for larger complex industries and operations.