Atlanta, Georgia (PRWEB) May 29, 2013 -- Georgia Contractors now have solutions for workers compensation policies for less than $1,500.00. GhostWorkersComp.com now provides the Ghost policy for $1,000.00 or less with payment options.
The Workers compensation policy is a type of insurance that is required by many businesses and general contractors. These same general contractors and business owners require a contractor to have a worker’s compensation policy active prior to allowing the contractor to start working on the jobsite. If a contractor does not have a worker’s compensation policy then the contractor will not receive opportunities to work. Having no of employees does not change the workers compensation requirement.
Contractors can purchase a “ghost worker’s compensation” policy to provided proof-of-worker’s-compensation. This ghost worker’s compensation policy provides proof of insurance but the policy is positioned to provide no actual coverage. Let me explain:
1. The contractor excludes themselves from coverage. The Worker’s Compensation policy excludes the owner and partners or officers from coverage. If the owner, partner, or an officer that was excluded were to get hurt on the job, there would be no coverage in the worker’s compensation policy.
2. The business has no employees so the policy is priced with no payroll and effectively no anticipated coverage for employees.
The ghost worker’s compensation policy provides coverage for the business and provides proof of workers comp insurance to those the contractor works. The policy also provides a barrier for claims by the contractor against the general contractor or others.
NCCI sells a Georgia Ghost Workers Compensation Policy for $1,500.00 and requires a single payment-in-full. The http://www.GhostWorkersComp.com solution provides the same type of policy for $200.00 down and 8 monthly payments of $100.00. That is a savings of $500.00 over the NCCI policy. More importantly, this solution keeps $1,300.00 added dollars in the contractor’s pocket at time of purchase.
GhostWorkersComp.com has helped keep over $100,000.00 of cash in our customers pockets in the past 6 months.
As with any insurance solution there are requirements and types of businesses that meet the qualifications. Below is a list of contractors that http://www.GhostWorkersComp.com can insure quickly:
• Air Conditioning Systems Installer
• Air Conditioning Repair Contractor
• Air Conditioning Equipment Sales
• Appliance Installation Contractor
• Appliance Repair Contractor
• Awning Installer and Repair Contractor
• Cable TV Installer — Home Installation
• Satellite Dish Installer
• Carpet and Floor Covering Installer
• Carpet Cleaning Contractor
• Furniture or Upholstery Cleaning Contractor – On Customer Premises
• Counter Top Installer
• Driveway, Parking Area or Sidewalk Paver (includes Flat Cement Work)
• Excavation Contractor
• Executive Supervisors or Superintendents
• Fence Erection
• Furniture and Fixture Installer – Commercial
• Glass Dealers and Glazers
• Grading of Land Contractor
• Site Preparation Contractor
• HVAC Contractor
• House Furnishing Installer – (no Upholstering)
• Janitor Contractor
• Landscape Gardening Contractor (includes Pesticide or Herbicide applicators Coverage)
• Lawn and Garden Sprinkler Installer
• Lawn Care Service Contractor (includes Pesticide or Herbicide applicators Coverage)
• Monument Engraving and Installer
• Exterior Paint Contractor
• Interior Paint Contractor
• Paperhanging Contractor
• Permanent Yards – Maintenance or storage
• Light Commercial Plumbing Contractor
• Residential Plumbing Contractor
• Pressure Washing Contractor – Three stories or less
• Refrigeration Systems Service Contractor
• Septic Tank Cleaning
• Septic Tank Installation, Service or Repair Contractor
• Siding Installation and Repair Contractor (other than wood)
• Gutter and Downspout Installation and Repair – other than wood – three stories or less
• Sign Installation and Repair Contractor
• Sign Painting and Lettering Contractor
• Swimming Pool Service Contractor – private residences only (no major repair)
• Television Repair and Installation Contractor
• Radio Service Installation and Repair Contractor
• Home Theater Contractor
• Tile, Stone, Marble Repair and Installation Contractor – interior
• Water softening Equipment Installer and Repair Contractor
What is the catch? The insurance company does require that the contractor purchase a general liability policy. The contractor general liability coverage starts at $550.00 a year with a down payment of $110.00 and 8 monthly payments of $55.00.
Buying a combination of workers comp and general liability can be as little as $310.00 down and 8 monthly payments of $155.00.
So give us a call at 1-855-WC-Ghost or 678-648-7500 or, fill out our online application.
Paul Locke, America Insurance Brokers, http://www.GhostWorkersComp.com, 678-648-7500, paul@goaib.com
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