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Workers' Compensation Insurance in Georgia

Protect your employees and your business when someone is hurt on the job.

What Workers' Comp Covers

Medical care for work-related injuries and illnesses
A portion of lost wages while an employee recovers
Rehabilitation costs
Death benefits for dependents in the most serious cases
Employer's liability if you're sued over a workplace injury

Who Needs It in Georgia

Georgia generally requires businesses with three or more employees, including regular part-time workers, to carry workers' compensation. Rules can vary for certain business types and for owners and officers.

Your premium is based mainly on payroll and the class codes that describe your employees' work, along with your claims history and experience modification rate (EMR), if you have one.

What is the legal name of your business?

Do you operate under any DBAs (Doing Business As)?

What is your business structure? (LLC, Corporation, Partnership, Sole Proprietor, Nonprofit, etc.)

What is your Federal Employer Identification Number (FEIN)?

What industry are you in?

What services or products does your company provide?

What year was the business established?

What is your physical business address?

Phone

How many employees do you currently have? Full-time?Part-time? Seasonal or temporary?

Do you hire subcontractors or independent contractors? If yes: Do you require them to carry their own workers’ comp insurance?

What are the job duties of your employees? (This helps assign class codes)

Do any employees travel or work out of state?

Do any employees work remotely or from home?

Do employees perform any hazardous tasks? (e.g., climbing, driving, using machinery)

What is your estimated annual payroll for the next 12 months? Can you break it down by job role or department?

Do you use a payroll service provider?

Have you had any Workers' Comp claims in the past 3–5 years? If yes: How many? What were the circumstances?

Do you have a workplace safety program in place?

Do you conduct regular safety training or risk assessments?

Do you currently have a Workers’ Comp policy in place? If yes: Who is the carrier, and when does it renew?

Have you ever been denied Workers’ Comp coverage?

Do you need coverage for owners/officers? (Many owners opt out or need special election)

Are you looking for specific coverage amounts or limits?

Do you need any special endorsements? (e.g., additional insureds, waiver of subrogation)

General Liability FAQ

Q: What if I use subcontractors?

A: If subcontractors don't carry their own workers' comp, their payroll may be counted on your policy at audit. Collect their certificates of insurance.

Q: What do I need for a quote?

A: Your business information, number of employees, a description of each type of work, estimated annual payroll, and your current policy and loss runs if you have them.

Q: Do you help employers with workers outside Georgia?

A: Tell us where your employees work and we'll review your options.

Ready to Protect What Matters Most?

Get a free, no-obligation insurance quote from a local Hapeville agency serving Atlanta and Georgia since 2005.

Auto, home, and business coverage, explained in English or Spanish.

Call 404-767-6750