Coverage guide
Workers’ comp when you work alone
Just Me is a workers’ compensation policy for a business with no employees and no payroll, often called a ghost policy. The owner is excluded, so it does not pay for your own injuries; it gives you the certificate a general contractor or client asks for. Cimarron Insurance Company writes it in 14 states.
Updated October 16, 2026
Which states can get Just Me?
Just Me is available in these 14 states. In any other state we cannot offer it today.
- Alabama
- Arkansas
- Illinois
- Indiana
- Iowa
- Kansas
- Mississippi
- Missouri
- Montana
- Nebraska
- New Mexico
- South Carolina
- South Dakota
- Virginia
Who is Just Me for?
Sole proprietors, partnerships, LLCs and corporations that have no employees, no payroll and no subcontractors, but need proof of workers’ comp to get work. Not every trade is eligible; the quote form checks yours.
What does a ghost policy cover?
It is a real workers’ compensation policy, but there is no one on it: the business has no employees and the owner is excluded. What it gives you is the certificate of insurance that a general contractor or a client asks for.
What if I hire someone?
Just Me is only for a business with no employees and no payroll. Before you hire, you need a regular workers’ comp policy that covers the new employee.
Frequently asked questions
Is a ghost policy a real insurance policy?
Yes. It is a workers’ compensation policy issued by Cimarron Insurance Company, with no payroll on it and the owner excluded.
Does a ghost policy cover me if I get hurt?
No. The owner is excluded from the policy, so it does not pay for your own injuries.
Which states is Just Me available in?
Alabama, Arkansas, Illinois, Indiana, Iowa, Kansas, Mississippi, Missouri, Montana, Nebraska, New Mexico, South Carolina, South Dakota and Virginia.
Who places this insurance?
Insurance bought through CoRisk is placed by Cennairus, LLC, a licensed wholesale insurance broker in Florida (NPN 8740024). CoRisk is not an insurer. About CoRisk