Georgia requires employers with three or more employees to carry workers compensation insurance. Whether you run a construction company in Atlanta or a restaurant in Savannah, if you have three or more workers you need coverage.
Georgia Workers Comp Requirements
The Georgia State Board of Workers Compensation oversees the system. Employers with three or more employees are required to carry coverage, including part-time and seasonal workers. Corporate officers may elect to be excluded. Sole proprietors and partners are not covered automatically but can opt in.
Penalties for Non-Compliance
Georgia employers without required coverage face civil penalties of up to $5,000 and criminal charges. They are also personally liable for all medical and wage costs associated with any workplace injury that occurs while uninsured.
Rates in Georgia
Georgia uses class codes and experience modifiers to price workers comp. The private market is competitive and rates vary significantly by industry. Construction businesses in Georgia typically pay more than office-based businesses, but both benefit from shopping multiple carriers annually.
Get a Free Georgia Workers Comp Quote
Comp Matters Inc. writes workers comp for Georgia employers. Call (631) 248-2500 or get a free quote online today.
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