Trucking WC Coverage
Ghost Policy for Truckers
Need a certificate but have no W-2 employees? A ghost policy lets owner-operators satisfy broker requirements legally without paying premiums on payroll they don't have.
What's Covered
- Valid WC certificate satisfying broker and shipper requirements
- Sole proprietor or officer exclusion legally documented
- Certificate naming additional insureds as required
- State-compliant documentation for all required filings
Who This Is For
- Solo owner-operators with no W-2 employees
- Small trucking LLCs where all owners want to be excluded
- Carriers whose brokers require WC regardless of employee status
- Owner-operators switching from occ-acc to WC compliance
Why Choose Trucking Workers Compensation
- Ghost policies issued same day in eligible states
- We verify your state allows ghost policies before recommending
- Clear documentation of what is and isn't covered
- Lower cost than full WC policies — you only pay minimum premium
Frequently Asked Questions
Trucking WC Questions Answered
The most common questions from trucking companies and owner-operators about workers' compensation coverage.
Yes, in most states. A ghost policy is a legally issued WC policy where all officers or owners have filed exclusions. The policy itself is real and valid — the exclusions are filed in compliance with state law.