Terms of Use

EFFECTIVE DATE: OCTOBER 1, 2026 · UPDATED: OCTOBER 2, 2026

By using GhostPolicyNow.com you agree to these terms. The site is operated by Quinn Alliance LLC, an independent insurance agency specializing in construction trades, Georgia License 244699, NPN 22134534.

1. General information only

Content on this site is general information about workers compensation and ghost policies in Georgia. It is not legal, tax, or coverage advice for your situation. Your policy documents control. Licensing, permit, and legal references on this site are general summaries as of the date shown on each page, can change, and are not legal advice. Confirm requirements with the licensing board, your permit office, or an attorney. Class codes shown are common examples. The carrier assigns the final code. A "Reviewed by" date means the page was reviewed by a licensed agent for general accuracy on that date, not that it fits your specific situation.

2. Quotes and coverage

A quote is not a policy. Coverage is not in force until a carrier accepts and binds it and you receive confirmation.
All coverage is subject to underwriting approval and to policy terms, conditions, and exclusions.
We do not guarantee approval, price, or turnaround time.
A ghost policy does not cover the business owner and is not for businesses with employees.

3. Accurate information

You agree to give complete and accurate information. Misstating employees, payroll, or uninsured subcontractor use can lead to additional premium at audit, denied claims, or cancellation.

4. Third-party sites and payments

The online quote is provided by SolePro, a third-party platform with its own terms and privacy policy. Payments made there are processed by SolePro and its payment processor, not by Quinn Alliance LLC. Links to government or other sites are for convenience. We do not control them.

5. Not an insurer

Quinn Alliance LLC is an insurance agency, not an insurance company. Policies are issued by the carriers named on your quote and policy.

6. Site content

Site content belongs to Quinn Alliance LLC. You may share links and print pages for your own business use.

7. Limitation of liability

To the fullest extent allowed by law, Quinn Alliance LLC is not liable for indirect or consequential damages from use of this site. This does not limit any duty we owe you as your licensed agent.

8. Governing law

These terms are governed by the laws of the State of Georgia.

9. Contact

Quinn Alliance LLC, 457 Nathan Dean Blvd Ste 105-312, Dallas, GA 30132. (470) 648-6767. [email protected].