INSURANCE CARRIER
Employers Workers Comp
Workers compensation specialist for small businesses at the 3-employee threshold.
Commercial Lines - Georgia
- File a claim 888-682-6671 · 24/7 phone
- Online Account & claims portal
- After hoursEmployers claims: 1-888-682-6671 anytime.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Employers (America's Employer brand) is a workers compensation specialist serving small businesses across the US. They've written Georgia small business workers comp for decades, with deep expertise in restaurant, retail, and professional services workers comp. For Georgia businesses meeting the 3-employee threshold, Employers is a primary alternative to Pie Insurance and Hartford Workers Comp. Strong loss-control resources and return-to-work programs for qualifying industries. Available through Olive Cover to place coverage in Georgia.
Strengths
What This Carrier Does Well
Deep specialty expertise in small business workers comp, with restaurant and retail focus
Strong loss-control resources and return-to-work programs for Georgia small businesses
Established claims infrastructure built for complex workers comp claims
Limitations to Know
Where They Fall Short
Workers comp only; no business package, commercial auto, or general liability
Less technology-forward than Pie Insurance; traditional underwriting and service model
Employers Holdings has higher exposure concentration in small business than diversified carriers, which can create volatility in pricing and appetite during hard market cycles
Right Fit
Who They Are Best For
Best Fit For
Small business owners in professional services, retail, and office-based industries that need workers compensation coverage with straightforward underwriting and fast quoting.
Not a Good Fit For
Construction, manufacturing, or higher-hazard trade businesses. Employers' appetite is focused on lower-hazard commercial classes and they decline most construction and heavy industry risks.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Georgia
- Coverage Types
- Workers compensation (small business specialty)
- States Available
- GA and all 50 states
- Commercial Lines States
- GA and all 50 states
- Max Business Revenue
- Core appetite: small business with $500K-$25M payroll
- BOP Appetite
- Not a business package carrier; workers compensation specialist
- Industry Classes
- Restaurants, retail, professional services, small contractors, healthcare-adjacent, hospitality, fitness, childcare
Pricing & Claims
What to Expect
Best Pricing For
Office-based and low-hazard small business workers comp. Particularly competitive for Georgia restaurants, retail, professional services, and white-collar industries with very small accounts.
Pricing Context
Employers prices workers comp competitively for office-based and low-hazard small businesses. Pricing is often better than standard market options for very small accounts in safe, white-collar industries.
Claims Experience
Established workers comp claims infrastructure with dedicated adjusters. Handles complex workers comp claims through dedicated adjusters, with return-to-work and medical management programs. Solid return-to-work program and medical management.
Admitted Status: Admitted in Georgia for workers compensation
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
When is Employers Insurance the right choice for Georgia workers compensation?
Employers Insurance (the America's Employers brand) focuses exclusively on small business workers compensation.