Georgia Workers Compensation Insurance
If you own or operate a business in Georgia, understanding your responsibilities regarding workers’ compensation insurance is essential. This form of coverage protects both your employees and your business in the event of a workplace injury or illness.
We’ll break down the legal requirements, coverage details, and how to get the right policy for your business.
What Is Workers’ Compensation Insurance?
Workers’ compensation insurance provides medical benefits and wage replacement to employees who are injured or become ill due to work-related activities. In exchange, employees typically waive the right to sue their employer for negligence.
This insurance not only protects your workforce—it also shields your business from potentially devastating legal and financial liabilities.
Is Workers’ Compensation Insurance Required in Georgia?
Yes. According to the Georgia State Board of Workers' Compensation (SBWC), businesses with three or more employees, including part-time and seasonal workers, are legally required to carry workers’ compensation insurance.
Key Points:
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Coverage is mandatory if you have 3 or more employees, even if they are part-time.
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Corporate officers and LLC members are considered employees, unless they file for an exemption.
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Sole proprietors and partners are not automatically included but may elect to be covered.
Failing to maintain coverage can result in civil penalties, criminal charges, and liability for unpaid benefits.
Servicing your work comp insurance needs in Georgia
Workers’ compensation insurance is more than a legal requirement in Georgia—it’s a vital protection for your business and your team. Ensuring you have the right coverage helps you avoid penalties, reduce liability, and foster a safer, more supportive workplace.
