Workers' Compensation Insurance in Georgia
Mandatory Workers' Compensation Insurance
This type of insurance policy, which is often mandatory, 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 a benefit to the employee’s family. As a business owner, failing to have the correct coverage can lead to costly fines or uninsured claims that could put your business at risk of bankruptcy.
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 its own specific requirements, so it is important to work with an insurance broker like BIS Benefits who understands Georgia businesses and their coverage options.

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What Does Workers' Compensation Insurance Cover?
Workers’ compensation insurance coverage can provide:
- Temporary Disability: This provides benefits if an employee is unable to work due to a work-related injury.
- Death Benefits: These cover funeral expenses in the event of an employee's death from a work-related incident and provide dependents with a portion of the employee's average weekly wage.
- Personal Injury: This covers any loss of wages for employees who need time off work to recover from an injury.
- Long-Term Medical Treatment: This covers physical therapy and other long-term care for injured employees.
- Repetitive Stress: This covers injuries that develop over time from poor ergonomic positioning in the office.
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Where We Work
BIS Benefits works with companies across the state. Below are some of the Georgia cities our clients are located in:
Who is Eligible for Workers' Compensation?
Full-Time Employees
Generally defined as workers employed for 30 or more hours per week, full-time employees are automatically covered under most workers' compensation policies from their first day of employment. This coverage extends to all work-related injuries and illnesses that occur during the course of employment, regardless of fault or negligence.
Part-Time Employees
Despite working fewer hours, part-time employees are generally entitled to the same workers' compensation protections as their full-time counterparts. Most states do not distinguish between full-time and part-time status when determining benefit eligibility. However, the calculation of benefits may differ slightly, as compensation is typically based on average weekly wages, which would be lower for part-time employees.
Seasonal Employees
Seasonal employees are typically covered under workers' compensation laws during their active employment period. Coverage begins on the first day of work and continues throughout the seasonal employment period. These workers face unique challenges in benefit calculations since their work history may be limited, but they remain entitled to medical treatment and appropriate wage replacement based on their seasonal earnings.
Independent Contractors
While true independent contractors are generally not covered by workers' compensation insurance, the classification between employee and independent contractor is strictly scrutinized. Misclassification can result in coverage requirements and penalties for employers. In certain industries, if a subcontractor does not carry workers’ compensation insurance, the principal contractor may be
held liable for coverage of the subcontractor’s employees.
Workers' Comp Requirements in Georgia
Georgia requires most employers with three or more employees to carry workers' compensation insurance, though certain exemptions to this mandatory coverage apply for specific industries and employee classifications, such as independent contractors. The state mandates specific benefit levels, including:
- Coverage of medical expenses with no deductibles or co-pays
- Temporary disability benefits of up to two-thirds of average weekly wages
- Permanent disability compensation based on injury severity
Georgia operates under a "no-fault" system, meaning injured workers can receive benefits regardless of who caused the accident. Employers must post workers' compensation information in visible locations and report workplace injuries to their insurance carrier within specified timeframes.

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