How do I know when I am required to have workers compensation in Georgia?

Georgia requires workers compensation for businesses with three or more employees, but the threshold is easier to cross than most business owners realize. Full-time, part-time, temporary, and seasonal employees all count toward the three-employee threshold. Corporate officers and LLC members count even if they elect to be exempt from coverage. The counting happens at any single point in time, not on an average basis. If you have two full-time employees and hire a part-time worker for summer, you are over the threshold the moment that person starts. Workers comp must be in place before the third employee begins work, not after.