Georgia roofing ghost policies·by Quinn Alliance LLC
Georgia roofing ghost policy quotes, fast.
Workers comp certificates for roofers 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
Roofing ghost policyGeorgia · NCCI 5551 · agent reviewedA Georgia roofing ghost policy is a minimum-premium workers comp policy for a roofer who works alone or uses only insured subs. It gives GCs and storm restoration companies the certificate they ask for, but it does not cover the owner. Roofing (NCCI 5551) is reviewed by a licensed agent, not quoted online.
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.
Roofing ghost policies
Roofing is one of the trades most often asked for a workers comp certificate. GCs, storm restoration companies, property managers, and many permit offices want proof before you get on the roof.
Class code
Roofing is usually rated under NCCI code 5551, Roofing, All Kinds. It is one of the higher-rated construction codes, so fewer carriers write roofing ghost policies. Your carrier assigns the final code.
Crews
Many roofers pay installers on a 1099. If those crews don't carry their own workers comp, the carrier can charge their pay to your policy at audit. A ghost policy only fits if you work alone or every crew has its own certificate.
You are not covered
A ghost policy excludes the owner, so it pays nothing if you fall. Ask us about options that cover you too.
Not a roofer? See every trade we write in Georgia.
Who asks for your certificate
| 01 | Storm restoration companies and roofing GCs. Most won't release a job without your certificate, and many re-check it before each draw. |
| 02 | Residential builders who sub out the roof on new construction. |
| 03 | Property managers and HOAs handling repairs on rentals and common areas. |
| 04 | Insurance-claim jobs. The contractor managing the claim usually wants your certificate on file before tear-off. |
Audit traps for roofers
| Trap | What happens |
|---|---|
| 1099 crews | Paying an installer crew by the square doesn't make them a sub for workers comp. If the crew has no workers comp of its own, the carrier can treat what you paid them as payroll at audit. |
| Expired sub certificates | A certificate that lapsed mid-job counts the same as none. Collect a current certificate for every job, not once a year. |
| Your own GC role | If you sell the job and hire out the whole roof, you are the hiring contractor. Under Georgia's statutory employer rule (O.C.G.A. 34-9-8), you can be responsible for an uninsured sub's workers. |
| Storm surges | Adding helpers for a busy storm season is the most common way roofers outgrow a ghost policy. Call us before anyone new starts. |
Licensing and permits
Georgia lists roofing (shingles and shakes, sheet metal, and flat roofing) as a traditional specialty trade. A roofer working only within roofing generally does not need a residential or general contractor license, but must still meet state and local codes (Georgia Secretary of State policy). Counties and cities set their own permit and business license rules, and many permit offices want a workers comp certificate on file.
Example
How it works
Answer one question
Just you, workers, or subs.
Send your details
Roofing is reviewed by a licensed agent, not quoted online. Solo or 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 roofing ghost policy if I pay a crew on a 1099?
Only if the crew carries its own workers comp and you keep their current certificate on file. Otherwise, the carrier can charge what you paid them to your policy at audit.
Why is roofing not quoted online?
Roofing is one of the higher-rated codes and fewer carriers write it as a ghost policy, so a licensed agent reviews each application and sends it to the markets that do.
Will a storm restoration company accept a ghost policy certificate?
Most accept any active workers comp certificate. Some also require a waiver of subrogation or specific wording, so check before you bind.
Do I need a contractor license to roof in Georgia?
Georgia treats roofing as a specialty trade that generally does not need a residential or general contractor license, but local permit and business license rules still apply.
Does Georgia issue a workers comp exemption certificate?
No. Coverage and exemption elections are filed with the insurer on Form WC-10, so GCs ask for a policy certificate instead.
Does gutter work use the roofing code?
Not always. Gutter-only work can be rated differently. Describe all the work you do on the application.
What if I add helpers during storm season?
Call us first. A ghost policy doesn't cover employees, so your policy has to change before they start.
Does a ghost policy cover me if I fall?
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.
No employees and a GC wants a workers' comp certificate? See who to call for a Georgia ghost policy.
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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