Georgia concrete ghost policies·by Quinn Alliance LLC
Georgia concrete ghost policy quotes, fast.
Workers comp certificates for concrete contractors who work alone. Subcontract work out? If so, and your subs are insured, you can be considered with a quick application.
Do you have any employees or 1099 workers, or use subcontractors?
What's your trade?
A licensed agent reviews every quote before anything is bound.
Where should we send your quote?
Frank Quinn, licensed Georgia agent · Lic. 244699Every quote is reviewed by a licensed agent. Prefer to talk? (470) 648-6767
Ghost policies available throughout Georgia
From metro Atlanta to Savannah, Augusta, Columbus, Macon, Athens, Albany, Valdosta, Rome, Dalton, Gainesville, and Brunswick, we write ghost policies in every Georgia county.
Quick answer
Concrete ghost policyGeorgia · NCCI 5215 or 5221 · online quoteA Georgia concrete ghost policy is a minimum-premium workers comp policy for a concrete contractor who works alone or uses only insured subs. Residential concrete is usually rated under NCCI 5215, and driveways and flatwork under 5221. Owner-only quotes can often be done online. Builders get their certificate, but the owner is not covered.
Georgia basics
A ghost policy is a minimum-premium workers comp policy for a business with no employees, where the owners are excluded from coverage. It gives you a valid certificate, but it covers no one. It usually fits if you work alone, your owners exclude themselves on Form WC-10, and any subs carry their own workers comp. It does not fit if you have employees or uninsured 1099 workers, or if you want coverage for your own injuries.
Full rules, glossary, and county list: Georgia ghost policy guide. Not a fit? Quinn Alliance places standard workers comp too.
Concrete ghost policies
Builders and GCs usually want a workers comp certificate before you form, pour, or finish. Owner-operators who handle driveways, patios, slabs, and sidewalks on their own are a common ghost policy fit.
Class code
Residential concrete is usually rated under NCCI code 5215, Concrete Work for Private Residences, or 5221 for driveways, sidewalks, and flatwork. Foundations and commercial work can be classed differently. Your carrier assigns the final code based on the work you do.
Pour-day help
Most pours take more than one person. If you pay a finisher or laborer to help, even for a day, the carrier can charge that pay to your policy at audit unless they have their own workers comp. A ghost policy only fits if you work alone or every sub has their own certificate.
You are not covered
A ghost policy excludes the owner, so it pays nothing if you are hurt on a pour. Ask us about options that cover you too.
Not a concrete contractor? See every trade and class code.
Who asks for your certificate
| 01 | Home builders before slabs, footings, and driveways. |
| 02 | Pool and outdoor living contractors who sub out decks and patios. |
| 03 | Commercial GCs for sidewalks, curbs, and site flatwork. |
| 04 | HOAs and property managers for sidewalk and driveway repair. |
Audit traps for concrete contractors
| Trap | What happens |
|---|---|
| Pour-day finishers | Extra finishers on pour day are payroll at audit if you pay them directly and they carry no workers comp of their own. |
| Pump and saw subs | Pumping, saw cutting, and demo subs each need their own certificate for the dates they worked. |
| Foundation work | Foundations, walls, and commercial structural concrete can be rated differently from flatwork. List all of it. |
| Hiring out the whole job | If you sell the job and another crew pours it, you are the hiring contractor under Georgia's statutory employer rule (O.C.G.A. 34-9-8). |
Licensing and permits
Georgia lists cast-in-place concrete and concrete formwork as traditional specialty trades, so a concrete contractor working within that trade generally does not need a residential or general contractor license (Georgia Secretary of State specialty contractor policy). Driveway aprons and sidewalks in the right-of-way often need a city or county permit.
Example
How it works
Answer one question
Just you, workers, or subs.
Get your quote
Owner-only quotes online. With insured subs, we process your application.
Agent review
We check the class code and exclusions before binding.
Certificate issued
Sent to your GC or permit office once bound.
Quotes can come back quickly. Binding can take more than a day, depending on the carrier.
You'll need your legal name, FEIN, entity type, owners and ownership percentages, a short description of your work, years in business, and the certificate holder's name and address. The premium depends on your class code, the carrier's minimum premium, fees, and whether you use subs. Anyone can check a Georgia business's coverage with the State Board's online coverage verification.
Questions
Is driveway work rated differently from foundations?
Often, yes. Flatwork such as driveways and sidewalks is commonly 5221, while residential concrete work is often 5215. Foundations and commercial structures can differ again.
Can I hire finishers just for pour day?
Only if they run their own business with their own workers comp. Otherwise their pay is charged to your policy at audit.
Do I need a license to pour concrete in Georgia?
Cast-in-place concrete and formwork are listed as specialty trades, so a residential or general contractor license usually isn't required for that work alone.
Will a builder accept a ghost policy certificate?
Most accept an active workers comp certificate in your business name. Some also want a waiver of subrogation.
I rent a pump truck with an operator. Who covers the operator?
The pump company's own workers comp should. Keep their certificate on file for audit.
Does stamped or decorative concrete change my code?
Usually not by itself, but sealing, staining, and grinding add-ons can raise questions. Describe the work.
Do I need a permit for a driveway apron?
Often. Aprons and sidewalks in the public right-of-way usually need a city or county permit. Check before you pour.
Does a ghost policy cover me if I'm hurt on a pour?
No. The owner is excluded, so the policy pays nothing for your own injuries. Ask us about options that cover you too.
How much does a ghost policy cost?
There is no single price. It depends on your class code, the carrier's minimum premium, policy and underwriting fees, and whether you use subs. You see a price only after a carrier quotes it.
Who runs GhostPolicyNow?
GhostPolicyNow.com is operated by Quinn Alliance LLC, an independent Georgia insurance agency specializing in construction trades. Principal: Frank Quinn, Georgia License 244699. Call (470) 648-6767.
About the agency
GhostPolicyNow is the ghost policy resource of Quinn Alliance LLC, an independent Georgia insurance agency that specializes in contractors. Beyond ghost policies, Quinn Alliance places general liability, standard workers comp, commercial auto, tools and equipment, and surety bonds for roofers, tree services, GCs, and the specialty trades.
Principal Frank Quinn is a licensed Georgia agent (License 244699, NPN 22134534). You can confirm any Georgia agent's license through the Georgia Commissioner of Insurance license lookup.
We write ghost policies in all 159 Georgia counties. Our deepest experience is across metro Atlanta: Fulton, DeKalb, Cobb, Gwinnett, Clayton, Cherokee, Forsyth, Henry, Douglas, Paulding, Fayette, Rockdale, Bartow, Coweta, Carroll, Newton, Hall, Barrow, Walton, and Spalding counties.
OFFICIAL SOURCES: SBWC EMPLOYER INFORMATION · SBWC COVERAGE VERIFICATION · SBWC BOARD FORMS · GEORGIA OCI · NCCI
Get on
the job.
One question tells you your path. A licensed Georgia agent reviews every quote.