Insurance quotes for the trades that build Georgia.

Pick your trade and answer a few quick questions. If your business fits an online carrier's guidelines, we send you to that carrier's secure application to see your price and buy online, with Quinn Alliance as your agent. If your work needs manual underwriting, a licensed agent builds the quote for you. Getting quoted costs nothing.

Many small trades can usually apply online, including plumbing, HVAC, electrical, painting, landscaping, cleaning, handyman, remodeling, interior finish, masonry and concrete, pressure washing, fence, paving and solar work, and auto service. Light tree work (pruning below 30 feet or stump grinding, with no removal) can use an on-demand policy. Food service applies online and we approve it before you bind. The carrier always makes the final eligibility decision.

Roofing, tree removal, crane work, demolition and restoration are higher-hazard work. Some online programs do write roofing, but they often exclude flat roofs or add a sunset clause that limits how long your finished work stays covered. Roofing starts with a 5-minute online worksheet so we can match you to a market that fits the roofs you actually do. The others go to a licensed agent who places them with carriers and specialty markets that write that work. Many quotes are available within minutes after you apply; some specialty markets take longer.

General liability usually starts with your annual sales: sales divided by 1,000, times the carrier's rate for your class of work, subject to a minimum premium. Carriers then adjust that for your claims history, years in business, licensing and professional certifications, the kind of jobs you take, how much you subcontract, and the limits and deductible you choose. Workers' comp starts with payroll: payroll divided by 100, times the class rate, times your experience mod if you have one, and the carrier can apply credits or debits from there. With this many factors, your quote is the only real number.

Most carriers we work with let you pay monthly or yearly, and some online programs add no installment fees to monthly plans. You see the payment terms before you buy.

When you buy online, the carrier sends your policy documents by email, and Coterie emails your COI when you bind. Quinn Alliance clients can request COIs in our client portal. Adding a new certificate holder is quick and easy.

Georgia generally requires workers' comp once a business regularly has 3 or more employees (O.C.G.A. 34-9-2). Many general contractors still require a certificate from their subs, because under O.C.G.A. 34-9-8 a contractor can be responsible for a sub's uninsured workers. An owner-only policy can provide that certificate. It usually excludes you as the owner from benefits, and the carrier's audit can charge premium for uninsured subs. Read our guide to workers' comp with no employees in Georgia.

Quinn Alliance stays your agent of record. Coterie quotes list Frank Quinn as your agent, and our other online links are coded to Quinn Alliance. You can call or text Frank at (470) 648-6767 or email frank@quinnalliance.com. Quinn Alliance LLC is a licensed Georgia agency (License #244699) and is not the insurer.