Georgia HVAC ghost policies·by Quinn Alliance LLC
Georgia HVAC ghost policy quotes, fast.
Workers comp certificates for HVAC techs 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
HVAC ghost policyGeorgia · NCCI 5537 · online quoteA Georgia HVAC ghost policy is a minimum-premium workers comp policy for a licensed conditioned air contractor who works alone or uses only insured subs. HVAC is usually rated under NCCI 5537, and owner-only quotes can often be done online. It covers the certificate request from builders and property managers, but not 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.
HVAC ghost policies
Builders, GCs, and property managers often ask an HVAC contractor for a workers comp certificate before an install or change-out. Licensed owner-operators who work alone are a common ghost policy fit.
Class code
HVAC is usually rated under NCCI code 5537, Heating, Ventilation, Air-Conditioning and Refrigeration Systems. Your carrier assigns the final code based on the work you do.
Install helpers
Change-outs usually take two people. If your second 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 roof or in an attic. Ask us about options that cover you too.
Not in HVAC? See every trade and class code.
Who asks for your certificate
| 01 | Home builders before rough-in and trim-out. |
| 02 | Property managers and apartment communities for service contracts and change-outs. |
| 03 | Commercial GCs on rooftop unit installs and tenant build-outs. |
| 04 | Home warranty companies before adding you to their network. |
Audit traps for HVAC contractors
| Trap | What happens |
|---|---|
| The second installer | Change-outs usually need two people. If you pay the second person directly or on a 1099 without their own workers comp, that pay is payroll at audit. |
| Duct and sheet metal subs | Duct fabrication and install subs need their own certificates. Shop fabrication can also be rated differently. |
| Electrical and plumbing tie-ins | Running a new circuit or gas line can fall under other licenses and codes. Describe all the work you do. |
| Busy-season hires | Summer and early winter are when most HVAC shops add help. Call us before anyone starts. |
Licensing and permits
Conditioned air work in Georgia is licensed by the Georgia State Board of Conditioned Air Contractors. A Class I (restricted) license covers systems up to 175,000 BTU of heating and 60,000 BTU of cooling, and a Class II license is unrestricted (Georgia Secretary of State conditioned air guide). Technicians who handle refrigerant also need federal EPA Section 608 certification.
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
Which Georgia HVAC license do I need?
Class I is restricted to systems up to 175,000 BTU heating and 60,000 BTU cooling. Class II is unrestricted. The ghost policy itself doesn't require a license, but builders and permit offices expect one.
Can I run change-outs alone on a ghost policy?
Yes, if no one you pay works with you. Most two-person change-outs need the second person covered unless they run their own insured business.
Do home warranty companies accept a ghost policy certificate?
Most networks accept an active workers comp certificate in your business name. Some ask for specific wording.
Does duct cleaning use the HVAC code?
Not always. Duct cleaning and sheet metal shop work can be rated differently. List every service you offer.
Do I need EPA certification as well as a state license?
Anyone who maintains, services, repairs, or disposes of equipment that could release refrigerant needs EPA Section 608 certification. That is separate from your Georgia license.
What if I sub out the electrical tie-in?
The electrician needs their own license and workers comp certificate. Keep the certificate on file for audit.
Does commercial refrigeration change my code?
It can. Walk-in coolers and commercial refrigeration may be rated differently from comfort HVAC. Describe your work.
Does a ghost policy cover me if I'm hurt in an attic?
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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