Georgia flooring ghost policies·by Quinn Alliance LLC
Georgia flooring ghost policy quotes, fast.
Workers comp certificates for flooring and tile installers 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
Flooring ghost policyGeorgia · NCCI 5478 or 5348 · online quoteA Georgia flooring ghost policy is a minimum-premium workers comp policy for a flooring or tile installer who works alone or uses only insured subs. Carpet, vinyl, and LVP are usually rated under NCCI 5478 and tile under 5348. Owner-only quotes can often be done online. 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.
Flooring and tile ghost policies
GCs, builders, and flooring stores often require a workers comp certificate before an installer starts. Owner-operators who lay carpet, LVP, hardwood, or tile on their own are a common ghost policy fit.
Class code
Carpet, vinyl, and LVP are usually rated under NCCI code 5478, Floor Covering Installation. Tile is usually 5348. Hardwood can be rated under 5478 or a carpentry code such as 5437, depending on the carrier. Your carrier assigns the final code based on the work you do.
Store and builder jobs
Many installers get work through flooring stores or builders who pay by the job. What matters at audit is who you pay. A helper you pay to haul material or pull carpet can be charged to your policy unless they have their own workers comp.
You are not covered
A ghost policy excludes the owner, so it pays nothing if you are hurt on the job. Ask us about options that cover you too.
Not a flooring installer? See every trade and class code.
Who asks for your certificate
| 01 | Flooring stores and big-box install programs before they schedule your jobs. |
| 02 | Home builders before flooring and tile on new construction. |
| 03 | Property managers for unit turns and replacements. |
| 04 | Commercial GCs on office and retail build-outs. |
Audit traps for flooring installers
| Trap | What happens |
|---|---|
| Store-paid jobs | What matters at audit is who you pay. A helper you pay to haul material or pull carpet is your payroll unless they have their own workers comp. |
| Tile and stone | Tile setting is usually rated differently from carpet and LVP. If you set tile, make sure it is on the policy. |
| Hardwood refinishing | Sanding and refinishing can be rated differently from installing. List both if you do both. |
| Demo and subfloor work | Tear-out and subfloor repair are common add-ons. Describe them so the carrier rates the job correctly. |
Licensing and permits
Georgia lists carpet, VCT and base, ceramic and hard tile, and wood flooring as traditional specialty trades, so a flooring installer working within those trades generally does not need a residential or general contractor license (Georgia Secretary of State specialty contractor policy). Store and builder programs usually set their own insurance requirements.
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 tile rated differently from carpet and LVP?
Usually, yes. Tile is commonly 5348 and carpet, vinyl, and LVP are commonly 5478. Hardwood depends on the carrier.
Will a flooring store accept a ghost policy certificate?
Most stores accept an active workers comp certificate in your business name. Big-box programs may require specific limits or wording.
I pay a helper to pull carpet. Is that a problem?
Yes. Anyone you pay directly counts at audit unless they run their own business with their own workers comp.
Do I need a license to install flooring in Georgia?
Carpet, tile, and wood flooring are listed as specialty trades, so a residential or general contractor license usually isn't required for that work alone.
Does refinishing hardwood use the installation code?
Not always. Sanding and refinishing can be rated differently. List it.
Can I do the subfloor repair myself?
Yes, but describe it. Structural repairs can bring in a carpentry code.
Does installing cabinets or trim change my code?
It can. Cabinets and trim are usually carpentry work. List them if you do them.
Does a ghost policy cover my knees and back?
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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the job.
One question tells you your path. A licensed Georgia agent reviews every quote.