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
By Pascal Burke, Founder & Insurance Broker at Contractors Insured Published April 13, 2026 · 19 min read TL;DR: A ghost policy is not fake insurance, but it is also not the same thing as standard workers’ comp. In most contractor situations, a ghost policy is an owner-only, compliance-focused setup
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