Georgia electrical ghost policies·by Quinn Alliance LLC
Georgia electrical ghost policy quotes, fast.
Workers comp certificates for electricians 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
Electrical ghost policyGeorgia · NCCI 5190 · online quoteA Georgia electrical ghost policy is a minimum-premium workers comp policy for an electrician who works alone or uses only insured subs. It is usually rated under NCCI 5190 and can often be quoted online. It gives GCs and permit offices the certificate they ask for, but it does not cover the owner.
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.
Electrical ghost policies
GCs, builders, and property managers usually want a workers comp certificate before an electrician starts rough-in or service work. Licensed owner-operators who work alone are a common ghost policy fit.
Class code
Electrical work is usually rated under NCCI code 5190, Electrical Wiring Within Buildings. Your carrier assigns the final code based on the work you do.
Helpers and apprentices
Most electrical shops run a helper or apprentice. If that person is on your payroll or paid as a 1099 without their own workers comp, the carrier can charge that pay to your policy at audit. 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 ladder or in an attic. Ask us about options that cover you too.
Not an electrician? See every trade and class code.
Who asks for your certificate
| 01 | GCs and builders before rough-in or service work. |
| 02 | Permit offices, which often want a workers comp certificate on file before issuing permits. |
| 03 | Property managers for make-ready and service calls. |
| 04 | Solar installers and generator dealers who sub out the electrical tie-in. |
Audit traps for electricians
| Trap | What happens |
|---|---|
| The helper or apprentice | Most electrical shops run one. If you pay them directly, or on a 1099 with no workers comp of their own, that pay can be charged to your policy at audit. |
| Low-voltage or solar crews | Subs doing alarm, data, or solar work need their own certificates too. |
| Mixed work | If you also do handyman or HVAC work, list it on the application. Unlisted work can be reclassified at audit. |
Licensing and permits
Electrical contracting in Georgia is licensed by the Division of Electrical Contractors under the State Construction Industry Licensing Board, as Electrical Contractor Class I or Class II. Low-voltage work (alarm, telecom, general, unrestricted) has its own license classes: LV-A, LV-T, LV-G, and LV-U (O.C.G.A. 43-14-6). The policy doesn't require a license, but the GC and the permit office will expect one.
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
Can I get a ghost policy if I have a helper or apprentice?
Only if that person runs their own business with their own workers comp.
Does low-voltage or solar work use the same class code?
Not always. Carriers can classify low-voltage, alarm, and solar work differently.
Do I need an electrical license to get a ghost policy?
Not for the policy itself. Electrical contracting in Georgia requires a Class I or Class II license, and low-voltage work has its own classes.
Will a permit office accept a ghost policy certificate?
Most accept any active workers comp certificate. Some ask for specific wording.
Does Georgia issue a workers comp exemption certificate?
No. Elections are filed with the insurer on Form WC-10, so GCs and permit offices ask for a policy certificate instead.
I sub out the tie-in on solar jobs. Who needs coverage?
Every sub needs their own certificate. Uninsured subs can be charged to your policy at audit.
What if I hire a helper later?
Tell us before they start. A ghost policy doesn't cover employees.
Does a ghost policy cover me?
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
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