Workers’ Comp Ghost Policy for C-61/D-49 Tree and Palm Contractors
CSLB requires a workers’ comp policy on file to renew, 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 is bound
Call Kevin: 530.320.3617
Book a free 15-minute call
Get your ghost policy quote
Four fields, then pick a 15-minute time with Kevin.
Do I need this?
- You hold a C-61/D-49 Tree and Palm license and run your tree service 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-61/D-49 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 15 minutes with KevinReview 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 is bound.
Talk with Kevin
Hi, I’m Kevin Leipsic. When you call, you’ll talk with me directly, and I’ll help you find the right coverage for your business.
- Member & Insurance Advisor, California Building Industry Association (CBIA)
- Member & Insurance Advisor, National Association of the Remodeling Industry (NARI)
- Host of ContractorTV on YouTube
- Host of the California Contractor Podcast on Spotify
What contractors say
★★★★★ 4.9 stars from 41 Google reviews · Read our Google reviews
Frequently Asked Questions (FAQ)
1. Do C-61/D-49 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.
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.