California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Ghost policy is an industry term sometimes used for a no-employee workers' compensation arrangement. Eligibility, owner inclusion or exclusion, payroll treatment, certificate acceptance, and CSLB implications depend on entity structure, classification, current law, policy terms, and carrier underwriting.
CSLB currently identifies C-8 Concrete, C-20 HVAC, C-22 Asbestos Abatement, C-39 Roofing, and C-61/D-49 Tree Service licensees as classifications that must maintain workers' compensation coverage or valid self-insurance regardless of employee status. Other no-employee contractors may be eligible to file an exemption, subject to current law and CSLB acceptance.
Pricing and availability depend on classification, ownership, operations, payroll treatment, loss history, carrier eligibility, and underwriting. Submit the complete business details for an individualized review or verify current filing requirements directly with CSLB.