Georgia landscaping ghost policies·by Quinn Alliance LLC
Georgia landscaping ghost policy quotes, fast.
Workers comp certificates for landscapers 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
Landscaping ghost policyGeorgia · NCCI 0042 · online quoteA Georgia landscaping ghost policy is a minimum-premium workers comp policy for a landscaper who runs a route alone or uses only insured subs. Landscaping is usually rated under NCCI 0042, and owner-only quotes can often be done online. HOAs and property managers 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.
Landscaping ghost policies
Property managers, HOAs, commercial accounts, and builders often require a workers comp certificate before you mow, plant, or install. Owner-operators who run their own route are a common ghost policy fit.
Class code
Landscaping is usually rated under NCCI code 0042, Landscape Gardening. Irrigation work can be rated under 6229 or 0251. Tree removal and climbing work is rated under tree service codes at a much higher rate. Your carrier assigns the final code.
Seasonal help
Spring and fall are when most landscapers add a hand. Anyone you pay directly, even part time or seasonal, can be charged to your policy at audit unless they carry their own workers comp. Tell us before you hire.
You are not covered
A ghost policy excludes the owner, so it pays nothing if you are hurt by a mower or trimmer. Ask us about options that cover you too.
Not a landscaper? See every trade and class code.
Who asks for your certificate
| 01 | HOAs for common-area maintenance contracts. |
| 02 | Property managers and apartment communities for grounds contracts. |
| 03 | Commercial accounts such as offices, churches, and retail centers. |
| 04 | Home builders for sod, plantings, and final grade on new homes. |
Audit traps for landscapers
| Trap | What happens |
|---|---|
| Seasonal hands | Spring and fall help paid in cash is payroll at audit if the helper has no workers comp of their own. |
| Tree work | Climbing, felling, and large removals are rated as tree service at a much higher rate. Keep them off a landscaping ghost policy. |
| Hardscape and walls | Pavers, retaining walls, and stone work can be rated as masonry or other codes. List them. |
| Spraying for hire | Applying herbicides or pesticides for a fee needs state licensing, and some carriers rate it separately. |
Licensing and permits
Georgia lists landscape and irrigation as a traditional specialty trade, so a landscaper working within that trade generally does not need a residential or general contractor license (Georgia Secretary of State specialty contractor policy). If you apply herbicides or other pesticides to someone else's property for a fee, the Georgia Department of Agriculture requires a commercial pesticide applicator license and a pesticide contractor license.
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 do tree removal on a landscaping ghost policy?
No. Climbing, felling, and large removals are rated as tree service. See our tree service page for that work.
Do I need a license to spray weeds in Georgia?
If you apply herbicides or pesticides to someone else's property for a fee, the Georgia Department of Agriculture requires a commercial applicator license and a pesticide contractor license.
Are pavers and retaining walls part of landscaping?
Not always. Hardscape can be rated as masonry or another code. List it.
Will an HOA accept a ghost policy certificate?
Most HOAs and management companies accept an active workers comp certificate in your business name. Some require specific wording.
Is irrigation rated as landscaping?
It can be rated differently. Irrigation installs may fall under a separate code. Describe the work.
I only hire help in the spring. Does that count?
Yes. Seasonal and part-time pay counts at audit unless the helper runs their own insured business.
Does pressure washing patios change my code?
It can. A standalone pressure washing service may be rated differently. List it.
Does a ghost policy cover me if a mower injures 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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