AUI is Now Offering Ghost Policies for Artisan Contractors and Trucking Owners/Operators!

You asked, we answered: Appalachian Underwriters, Inc. has a new Workers’ Compensation option for Owner/Sole Proprietor Artisan Contractors and those that own tractor trailers!

Available in: AL, AR, AZ, IA, IN, KS, KY, MD, MO, MS, MT, NC, NM, OK, OR, SC, SD, TN, TX, UT, VA

Coverage Characteristics:

  • The owner or sole proprietor must exclude him/her self from the Workers’ Compensation insurance coverage
  • The annual Workers’ Compensation insurance premium must be paid in full prior to binding coverage.
  • The insured must agree to participate in the weekly Text4Safety program.
  • The insured must sign the Program Agreement which states that there will be no full or part-time people hired during the term of the policy without first notifying carrier.
  • The insured must respond to the weekly text message inquiring as to whether a person or persons have been hired in the previous week.
  • For Tractor Trailer coverage option, commercial license carrier must drive between 75,000 – 100,000 miles.


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For more information, contact our Workers’ Compensation Team at 888-376-9633, ext. 2204.