I'm getting ready to bid on a motel this week and need some advise on Workman's comp. In the contract they are asking for Workman's comp insurance and I work solo and can't get Workman's comp on myself. I called my ins. agent and he said that he could write a ghost policy that didn't cover anyone for about $950. per year. That seems kinda stupid to me but I may have to do it to get the job. I have everything that I need for this job except my pesticide license and I'm getting that In Feb. I'm going to turn in the proposal with everything but the Workman's comp and tell them if I have to have it I will get it. Do any of you solos have this problem and do you carry insurance that will not cover you?