California passed a bill that will require all artisan contractors (solo contractors) to carry work comp coverage WHETHER THEY HAVE EMPLOYEES OR NOT. For a contractor that has no employees, this type of work comp policy is called a “ghost policy” or “ghost work comp policy”.
The minimum premiums will likely be about $1,000 (for the year) and can go up from there. Pricing is subject to change, depending on the claim severity/frequency that may arise from these types of policies.
If you are a small artisan contractor this will affect you. If you are GC, or use smaller contractors to sub out work, this will affect you/them.
Just be prepared for this additional business expense and let me know if you need help now. I will send out periodic reminders until 1/1/2026, so you are in compliance with California state laws. Please share this with anyone that may be affected – fellow colleagues, or any subs you use or work with.
Please think of me for your work comp needs. I am licensed in many states – not just California – but this new bill only affects our California contractors (for now). 😊