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WORKERS COMPENSATION INSURANCE · GEORGIA

Workers compensation insurance for Georgia employers.

Georgia requires workers compensation insurance for any employer with three or more employees, including part-time workers. It covers medical treatment, lost wages, and employer liability for work-related injuries. Operating without it when required is illegal and exposes the business to personal liability.

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WHAT'S COVERED

What workers compensation covers

Employee Medical and Lost Wages

Pays for medical treatment, rehabilitation, and lost wages when an employee is injured on the job in Georgia.

Employer's Liability

Covers your legal defense and damages if an employee sues claiming their injury resulted from employer negligence.

Death Benefits

Pays the estate if an employee dies from a work-related injury.

IMPORTANT LIMITATIONS

What workers compensation does not cover

Independent contractor classification

Independent contractors are not covered by workers comp unless they are misclassified. Classification disputes are common.

Intentional self-injury

Injuries caused intentionally by the employee or while committing a crime are excluded.

Non-work-related illnesses

Employee illnesses not caused by the work environment are excluded.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Have three or more employees in Georgia?

Georgia requires workers comp once you have three or more employees including part-time. Send us your payroll and class codes and we will compare carriers.

$0.20 to $4.50 per $100 of payroll depending on class code

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