Getting the Lowdown on Ghost Policies and How They Work
If you're a subcontractor trying to land a new gig, you've probably heard someone mention ghost policies as the fastest way to get your paperwork in order. It's one of those terms that sounds a bit spooky, but in the world of insurance, it's actually a very common—if slightly misunderstood—tool for solo entrepreneurs. Essentially, it's a way to prove you have workers' compensation insurance even when you don't actually have any employees to cover. ...