What Is a Ghost Policy for Workers Comp?
A ghost policy is a minimum premium workers comp policy that covers no one. See who qualifies, what it costs, and when it is the wrong buy.

Pro Insurance Group
Real premium ranges, coverage breakdowns, and plain answers to the questions people actually ask before they buy. Every guide is written by a licensed advisor on our team and reviewed before it goes live.
The guide we would hand you first this month.
A ghost policy is a minimum premium workers comp policy that covers no one. See who qualifies, what it costs, and when it is the wrong buy.

Guides answer one question. These pages tell you what we actually write.
General liability, property, workers comp, commercial auto, cyber, and management liability for Illinois and nationwide operations.
See business coverage ›Auto, home, condo, renters, umbrella, flood, and pet. We shop 20+ carriers and re-shop at every renewal.
See personal coverage ›Trucking, towing, assisted living, HOA, family entertainment centers, and the hard-to-place risks other agents decline.
See specialty coverage ›Twenty-four governed topics covering every guide we publish.
Newest first.
Workers comp costs about $1.09 per $100 of payroll at the national median. See rates by state, the premium formula,...
See what high-value home insurance costs in Illinois, what counts as high-value, and how PIG shops 20+ carriers to ...
See what coffee shop insurance costs in 2026 by business profile, plus the equipment breakdown coverage most polici...
Motorcycle insurance in Illinois typically runs $175 to $420 a year. What the state requires, what it costs, and ho...
See what pressure washing insurance costs in 2026 by business profile, plus the runoff pollution coverage most poli...
Pet insurance costs about $37 to $130 a month for a dog and $34 to $54 a month for a cat in Illinois. Real 2026 cos...
See what dump truck insurance costs in 2026 by use and material hauled, with real annual and monthly ranges and wha...
Personal umbrella insurance in Illinois typically runs $300 to $600 a year for $1 million in coverage. What it cost...
The questions people ask before they call.
No. Pro Insurance Group charges no agency fees, and carrier rates are filed with the state, so the premium is the same whether you buy direct or through us. The difference is that we can put your risk in front of more than 20 carriers instead of one.
Licensed advisors on our team. Commercial guides are written by Neal Fusco, VP of Commercial Lines, who has 25 years across both the carrier and agency sides. Personal lines guides are written by Dave Rysavy, VP of Personal Lines. Every guide is reviewed before it publishes.
They are ranges, not quotes. We publish what we see across the carriers we place business with, broken out by business profile or risk factors so you can find the row that looks like you. Your actual premium depends on your specific exposure, claims history, and location.
A few minutes to start. You give us the basics, an advisor shops your risk across our carrier panel, and you get options with the reasoning behind each one. There is no obligation and no fee to see what is available.
Independent. Local. No agency fees.
You have done the homework. Now let a local advisor shop 20+ top-rated carriers and find your right coverage at the right price. It takes a few minutes and there is no obligation.