Author Archives: Pascal Burke

On this page What general liability insurance covers How much does GL cost in Fort Worth, Texas? What drives your Fort Worth GL cost (7 factors) Fort Worth GL cost by industry Fort Worth GL cost by business size Coverage limits: $1M/$2M baseline Fort Worth location specifics GL vs. Business

A ghost policy is a real workers’ compensation policy priced at the carrier’s minimum premium and structured for contractors with no employees. In California, it satisfies the CSLB workers’ comp filing requirement and produces a valid COI for most bids. Sole proprietors, single-member LLCs, and corporations with all officers properly excluded typically qualify — but C-39 roofing contractors and a handful of other mandatory classifications cannot use this approach. Expect to pay $750–$2,500 annually once class code, carrier appetite, and broker fees are factored in.

In this article Why this is the first insurance question most contractors ask The short answer: what contractor insurance usually costs Cost by trade: roofing vs. general contractors vs. plumbing Cost by policy type California vs. Texas: what changes in these two focus states What actually makes your price go