💥 Don’t Get Hit with a Surprise Workers’ Comp Bill — What First-Time Buyers Need to Know
You just started your business, got workers’ comp insurance, and you're feeling good knowing you're covered. Fast forward a year — and BOOM — you get hit with a surprise bill from your insurance company. Thousands in back pay. Why? Because your payroll was underreported — and now you have to make up the difference.
⚠️ Contractors: Need Workers' Comp to Land the Job — But Have No Employees?
You finally got the call — that big job you've been waiting for.
But there's a catch...
They won’t hire you unless you show proof of workers' comp insurance 🧾
“But it’s just me… I don’t have any employees!”
Sound familiar?
👻 Here’s the solution most contractors don’t know about:
It’s called a Ghost Policy — and it might be exactly what you need.
❓ Do I need workers' comp for independent contractors in California?
In most cases, you are not required to provide workers' compensation insurance for independent contractors in California. However, there are important exceptions and legal risks to understand:
Ghost Workers’ Comp Policy: What It Is and When You Need One
No employees, but still need workers’ comp? Learn what a ghost policy is and why contractors often need it to win bids.