October 2025

The Hidden Risk of Ghost Policies in the Contracting Industry If you hire a contractor that has a Ghost Insurance Policy, and someone is injured on your property, you could be held responsible for all medical costs. Just because a contractor provides a certificate of insurance showing proof of coverage does not mean it actually […]

Searching for workers compensation insurance in California? As a licensed contractor, securing the right coverage—whether full workers compensation insurance for employees or a low-cost ghost policy for sole proprietors with no employees—is essential to avoid CSLB penalties and win more bids. With Senate Bill 1455 extending SB 216’s full mandate to January 1, 2028, now’s