Workers’ Comp Ghost Policy for C-39 Roofing Contractors
CSLB requires a workers’ comp policy on file to renew or get licensed, even with no employees, and an exemption doesn’t meet it. A ghost policy gets your certificate on file.
- 15+ years working with California contractors
- The Contractors Resource Center files your workers’ comp notification with CSLB for you
- Same-day certificate of insurance once your policy starts
- C-39 Roofing is a CSLB must-carry class — coverage is checked at renewal and on new applications
Get your ghost policy quote
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Do I need this?
- You hold a C-39 Roofing license and run your roofing business with no employees.
- CSLB requires a workers’ comp policy on file to renew, even with no employees, and an exemption doesn’t meet it.
- You’re applying for or renewing your C-39 license and need a certificate on file.
- A GC or client is asking for your workers’ comp certificate.
How it works
- 1. Submit your infoName, phone, email and CSLB license number. That’s it.
- 2. Book a 15-minute callReview your options through our ContractorGHOST program and what fits your business.
- 3. Get your certificate filedThe Contractors Resource Center files your workers’ comp notification with CSLB for you, with a same-day certificate of insurance once your policy starts.
California Construction Insurance Specialist
Helping contractors start, grow and manage a successful construction business
You deserve more than a policy. You deserve a partner who gets you the workers’ comp certificate you need with clear next steps. For 15+ years I’ve helped residential contractors with their insurance options. Watch ContractorTV on YouTube and listen to the California Contractor Podcast on Spotify — I share how to build a stronger construction business.
- Member & Insurance Advisor, California Building Industry Association (CBIA)
- Member & Insurance Advisor, National Association of the Remodeling Industry (NARI)
What contractors say
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Frequently Asked Questions (FAQ)
1. Do C-39 contractors with no employees need workers’ comp in California?
Yes. CSLB requires a workers’ comp policy on file to renew, even with no employees, and an exemption doesn’t meet it. A ghost policy is built for that situation.
2. Is a ghost policy the same as a workers’ comp exemption?
No. An exemption is a statement that you have no employees. A ghost policy is a real workers’ comp policy that puts a certificate on file with CSLB.
3. Does a ghost policy cover me if I get hurt?
No. Every ghost policy excludes the owner, so it won’t pay for your own injury. If you want coverage for yourself, you need a standard workers’ comp policy.
4. What happens at the workers’ comp audit?
Every ghost policy is audited to confirm you didn’t issue payroll during the policy period. If you truly worked alone, the audit should be straightforward. If you plan to hire someone, call Kevin first so the policy can be changed to cover payroll.
5. What happens on the 15-minute call?
Kevin reviews your license, answers your questions and explains the workers’ comp options that meet CSLB requirements. There’s no obligation.
6. What happens at my C-39 renewal if I don’t have coverage on file?
CSLB will not process your renewal without a workers’ comp policy on file. Get your ghost policy in place before your renewal date — ideally about 30 days ahead — so your certificate of insurance and CSLB notification are ready.
ContractorGHOST is The Contractors Resource Center’s program name, not an insurance carrier. Ghost policies exclude the owner and are audited to confirm no payroll.