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If the office assistant earns $500 per week, the cost of insuring them is approximately $1.50 every week. The cost for Workers' Comp increases as the risks increase. So, if your client employs roofers or truck drivers, the cost might be $4 for every $100.
The answer is a workersâ compensation âghost policy.â. A ghost policy provides insurance only if the sole proprietor or other business subsequently hires employees. The sole proprietor is excluded from coverage under the policy. Ghost policies typically cost $800 to $1000 per year.