ghost policy workers’ comp

GHOST POLICY &
GENERAL CONTRACTORS

Get a bigger piece of
the pie with ISC.

Exclusive ISC Ghost Policy
and General Contractors Workers’ Compensation

Access ISC’s exclusive Contractor Program with Pie Insurance to provide self-employed and independent contractors with a Ghost policy. You can also offer general contractors (GCs) with a high subcontractor exposure a Workers’ Compensation policy.

A Workers’ Compensation Ghost policy helps self-employed, independent contractors, and paper GCs land more projects and comply with state laws. It acts as proof of Workers’ Compensation insurance for clients who request it or states that legally require it.

With our exclusive program, you can quote GCs with a subcontractor exposure over 50% and up to 100%.

Maximum Account Size

Up to $125,000 in Premium

Industries/ Target Classes

Masonry NOC
Plumbing & Sprinkler Installation
Electrical Wiring
Concrete Construction
Tile Installation
Carpentry
Interior Trim Carpentry, Cabinet Work
Painting (Not exceeding 29 feet in height)
Sheet Metal Work/Installation
HVAC
Fencing
Landscaping
Plumbing
Handyman
And Many Others

Excluded Risks

Any risk performing work above 3 stories/30 feet exterior
Any risk performing work below 16 feet in depth
Stump grinding, tree removal, iron/steel erection, structural steel erection
No Roofing 5552/5553 in CA (5551 eligible in other states)
No Structural or Rough Framing Risk

Please reach out for a complete list of exclusions.

Submission Requirements

ACORD 130 Application
Contractor Supplemental
Currently Valued Loss Runs (if any)
New Venture Eligible (signed No Loss letter needed)
Active Contractor’s License in the state they are performing work in, where applicable
Active Entity Filing in the state they are performing work, where applicable

Submit ONLINE