Workers' Compensation Insurance in Georgia

Mandatory Workers' Compensation Insurance

This is often a mandatory type of insurance that provides your employees with benefits that help them recover from time missed at work due to a work-related injury or illness. If an employee loses their life at work, this insurance can also provide the employee’s family with a benefit.


Different factors can affect the cost of these insurance rates including job risk, state of employment, claims history of the business and payroll size. Each state has their own specific requirements, so it is important to work with an broker like BIS Benefits who understands Georgia businesses and their coverage options. Failing to have the correct coverage can lead to costly fines or uninsured claims that could put your business at risk of bankruptcy. 

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What Does Workers' Compensation Insurance Cover?

Workers’ compensation can provide coverage for:


  • Temporary disability benefits if an employee is unable to work due to a work-related injury.
  • Death benefits and funeral expenses in the event of an employee's death from a work-related incident, providing dependents with a portion of the employee's average weekly wage.
  • Lost of wages for employees who need time off work to recover from an injury.
  • Long-term medical treatment for injured employees, such as physical therapy.
  • Repetitive stress injuries resulting from poor ergonomic positioning in the office over time.

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Our Carriers

All the top-rated carriers in Georgia including Selective, Hanover, Travelers, Hartford, Nationwide, Chubb, Liberty Mutual, and more.

Where We Work

BIS Benefits works with companies all around the state of Georgia, below are some of the cities our clients are located in:

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Workers' Comp Insurance FAQs

  • How does workman's comp work in Georgia?

    In the state of Georgia, employers with three or more employees are required to purchase worker’s comp insurance.

  • Does the insurance provide coverage for all types of injuries and illnesses that may occur on the job?

    Yes, worker’s compensation coverage is broad and provides coverage to cover the costs of healthcare and lost wages after an injury occurs while the employee is working. 

  • How long does workers' compensation coverage last in Georgia?

    The Statute of Limitations is one year from the date of the work accident.

  • What is the cost of workers' compensation insurance and what is covered?

    The cost depends on the number of employees and what type of work they do for their company. The more dangerous the work, the higher the rates will be. Workers Compensation coverage provides benefits to employees who get injured or sick from a work related cause.

  • Are there any discounts available for safety programs or loss control measures implemented by the business?

    Employers can get a 7.5% credit on their worker’s compensation premiums by becoming a certified drug free workplace. The insurance underwriters have credit available to apply based on the quality of the employer’s safety program and prior loss experience.  

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