Olive Cover
About
🍑 Georgia
Free Coverage Review

Workers Compensation Insurance - Georgia

Workers Compensation Insurance: Required for Most Georgia Businesses

Georgia requires workers compensation for businesses with 3 or more employees. Even if you are not required to carry it, one serious employee injury without coverage can be financially devastating.

Free Coverage Review

What Workers Compensation Covers

Medical Benefits

Pays all reasonable medical expenses for an employee injured on the job, including emergency care, surgery, physical therapy, and prescription drugs. No deductible for the employee.

Lost Wage Replacement

Pays a portion of an employee's wages while they are unable to work due to a covered injury. Georgia pays two thirds of the employee's average weekly wage up to the state maximum.

Employer Liability

Protects the business from lawsuits by injured employees who claim negligence beyond the standard workers comp benefit. Provides legal defense and covers settlements.

Death Benefits and Vocational Rehab

Georgia provides Death Benefits to surviving dependents of workers killed on the job and Vocational Rehabilitation for permanently disabled workers unable to return to their prior occupation. Both are mandatory components of every Georgia WC policy.

What Workers Compensation Does Not Cover

Independent Contractors

Workers comp typically does not cover independent contractors. However, if a contractor is misclassified and acts like an employee, you may have exposure. Review contractor relationships carefully.

Injuries Outside Work

Only injuries that occur in the course of employment are covered. Injuries during a commute or personal activity are excluded.

Intentional Self-Injury

Claims where an employee intentionally injures themselves to collect benefits are excluded. Fraud investigation is standard for suspicious claims.

Substance Impairment

Injuries that occur while an employee is under the influence of drugs or alcohol are typically excluded or have reduced benefits.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit for your business.

Commercial Lines

Travelers Commercial

A++ Superior

AM Best A++ commercial carrier with broad multi-line appetite across BOP, GL, workers comp, and cyber for Georgia small to mid-market businesses.

View full review

Commercial Lines - Georgia

Philadelphia

A++ Superior (Tokio Marine Group)

Specialty commercial carrier focused on Georgia nonprofits, religious institutions, habitational, and schools where standard markets have weaker appetite.

View full review

Commercial Lines

Nationwide Commercial

A+ Superior

Fortune 100 commercial carrier with particular strength in agricultural, farm, and rural Georgia small business commercial accounts.

View full review

Commercial Lines

The Hartford Commercial

A+ Superior

Most respected small business commercial carrier with one of the broadest BOP policies available and industry-leading workers comp.

View full review

Commercial Lines - Georgia

Hanover

A Excellent

Independent-agent-only carrier with strong small and mid-market BOP appetite and competitive coverage terms in the $1M to $10M revenue range.

View full review

Commercial Lines - Georgia

CNA

A Excellent

Top mid-market commercial carrier with healthcare professional liability strength and broad appetite across $500K to $50M revenue Georgia accounts.

View full review

Commercial Lines - Georgia

Pie Insurance

A- Excellent

Workers comp specialist for Georgia small businesses at the 3-employee threshold, with fast quotes and competitive pricing through digital underwriting.

View full review

Commercial Lines - Georgia

Employers

A- Excellent

Workers comp specialist with deep expertise in Georgia restaurants, retail, and professional services, established claims infrastructure for small business WC.

View full review

Get Your Workers Comp Rate

We work with carriers who have strong Georgia workers comp programs and loss control resources. A free review tells you if you are paying the right rate for your industry and payroll.

Varies by payroll and industry class code

Free Coverage Review

Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

Read full answer →

Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

Read full answer →

My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

Read full answer →

What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

Read full answer →