Owner-excluded workers' comp for Georgia tradespeople, individuals and contractors with no employees. Answer three questions and we route you to the right path.
AWork alone in an eligible tradeApply online
BUse insured subcontractorsAgent review · typically same-day submission
CHave employees or 1099 workersStandard workers' comp
Do you have any employees or 1099 workers, or use subcontractors?
What's your trade?
Quinn Alliance is your licensed agent of record.
What kind of handyman work do you do?
This decides whether you can apply online or go to agent review.
Where should we reach you?
A ghost policy usually excludes the owner, so it generally pays no benefits if the owner is hurt. If you pay subcontractors who have no workers' comp of their own, the year-end audit can charge their pay to your policy. All coverage is subject to carrier underwriting and to policy terms, conditions and exclusions. For Georgia businesses.