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We are a licensed wholesale broker, nationwide. Bring the account through us and the market access is ours.
Solopreneur & Ghost Policies
Your client has no employees, no payroll and a general contractor who will not let them on site without a workers’ compensation certificate. Send us the account: owner-only comp on Cimarron paper in fourteen states, worked by our placement team, and the certificate is what your client walks away with.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we place owner-only accounts with the carrier that writes them. A ghost policy is owner-only workers’ compensation for a business with no employees and no payroll. The owner is excluded under the state’s election rules, so the policy does not cover the owner; it exists to produce the certificate a general contractor or licensing board asks for. Cennairus places it on Cimarron paper in fourteen states.
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Entity, state and what the owner does. That is enough for us to say whether it is a ghost policy or a rated submission. No obligation.
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We are a licensed wholesale broker, nationwide. Bring the account through us and the market access is ours.
It is settled monthly. We publish no rates on a public page, and we do not take the client.
No loss runs, no payroll schedule, no three-year history. The handful of fields that decide this placement are the only fields we ask for.
The account that needs a certificate today needs rated comp, general liability and commercial auto the year it hires.
Entity type, the state the work happens in, and what the owner actually does. There is no payroll history to gather and no loss run to chase, because there has never been a payroll.
Eligible classes are a defined list and the fourteen states are fixed, so you know inside one conversation whether this is the right product or a rated submission.
Cimarron is the paper. A producer works the placement with the market; you stay the agent of record and keep your commission.
Who buys it: owner-operators in trucking, courier and delivery work; sole proprietors and single-member LLCs working in the trades; officers of a very small corporation who have elected out of coverage; subcontractors who need the certificate before they can start on a general contractor’s site; and franchisees running a location on their own.
One person, one truck, and a job site that will not let them through the gate without a certificate — that is who this program is for.
A workers’ compensation policy on a business with no payroll to rate. The owner is excluded under the state’s election rules, so there is no remuneration to charge against, and the policy sits at or near the carrier’s minimum for the class. What it produces is the certificate.
No. An excluded owner is excluded — the policy does not pay their medical treatment or lost wages. It satisfies a contract or licensing requirement. An owner who wants to be protected elects in instead, and the state’s assumed wage is added to payroll so the policy has something to rate.
Fourteen: Alabama, Arkansas, Illinois, Indiana, Iowa, Kansas, Mississippi, Missouri, Montana, Nebraska, New Mexico, South Carolina, South Dakota and Virginia. Anywhere else, the account is a standard workers’ compensation submission and goes to the markets that write those.
The exclusion stops reaching that worker and real payroll exists, so the account needs a rated workers’ compensation policy. Send it over as a normal submission. It is a larger account than the one you opened, and it stays yours.
Usually, because what the contractor checks is that a workers’ compensation policy exists and names them where required. Read the subcontract first — some ask for specific limits or additional-insured wording, and that is worth confirming before the client signs.
Nothing on this line comes back automatically. A producer works the placement with the market and the certificate is issued once the risk is accepted. We tell you where the account stands rather than publish a turnaround we cannot guarantee.
No. The exclusion is the election an owner files. The ghost policy is the policy that election makes possible — a real policy, with a real certificate, on a business that has nothing left to rate once the owner is out.
Entity, state, what the owner does. That is enough to start. We will tell you whether it is a ghost policy or a rated submission before you go back to the client.
