Solo I

Affordable workers' comp for businesses with no employees.

 Solo i overview

Affordable and effective

Eligible Applicants Businesses with no employees, day laborers, or subcontractors.
Eligible Entities Sole Proprietors, LLCs, Partnerships, Non-contracting S-corps.
Minimum Premium WC
Owner/Officer Coverage
Increased Limits Available
Accident Policy Optional
Waivers Available
Pay Plans Available
Online Submission

Insured Email
SSN (Tax IDs not accepted)
Age Restriction
Coverage for owners with no employees

Most carriers won't write a workers' comp policy that includes the owner when there are no other employees. We will.

Get Started
Won't break the bank

Solo I is an affordable option for businesses with no employees. For a one person company with the owner included, you would typically need to go through Assigned Risk Program. But with Solo I, you get extremely competitive rates with our specialized carriers.

A deeper look

Class Codes

Most class codes are acceptable, however, there are some exclusions due to reinsurance treaty agreements. View our successful classes of business.


If the owner hires a W2 employee during the policy period, we must be notified of payroll. Premium will be subject to audit and adjusted accordingly. Upon renewal the insured will be moved into the Plus Program.

*Please note that use of subcontractors or day laborers is ineligible for the program.
 Comp coverage

Great for businesses with no employees

No mid-term audit

Many companies require contractors to be audited 30 days after the policy is activated, which can be a real pain. Solo I is simple. A single yearly audit. One and done.

Waivers of Subrogation available

Our number one priority is to help small business owners get to work, the right way. That's why we've made Waivers of Subrogation available at any time.

Increased Limits available

Not many small policies offer increased Employer Liability Limits. We're not your average policy. If you need the extra coverage, we've got you.

Fast processing

Our team works diligently to provide the fastest turnaround possible. Applications are typically processed the same day we receive them.

Where is solo I available?
View program highlights by state