How is my Georgia workers compensation premium calculated?

Georgia workers comp premiums are calculated as a rate per $100 of payroll, multiplied by your experience modification factor (e-mod). Office workers in clerical roles might run $0.25 to $0.50 per $100 of payroll. Roofers, structural iron workers, and other hazardous trades can exceed $20 per $100. Your e-mod compares your actual claims history to expected claims for your industry. An e-mod below 1.0 earns a discount; above 1.0 adds a surcharge. A clean claims history over three years can reduce your WC premium 20 to 35 percent through e-mod improvement. We help Georgia businesses implement loss control programs that improve e-mod over time.

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How is my Georgia workers compensation premium calculated?

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