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WORKERS COMPENSATION INSURANCE · GEORGIA

Workers compensation insurance for Georgia employers.

Georgia requires workers compensation insurance for any employer with three or more employees, including part-time workers. It covers medical treatment, lost wages, and employer liability for work-related injuries. Operating without it when required is illegal and exposes the business to personal liability.

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WHAT'S COVERED

What workers compensation covers

Employee Medical and Lost Wages

Pays for medical treatment, rehabilitation, and lost wages when an employee is injured on the job in Georgia.

Employer's Liability

Covers your legal defense and damages if an employee sues claiming their injury resulted from employer negligence.

Death Benefits

Pays the estate if an employee dies from a work-related injury.

IMPORTANT LIMITATIONS

What workers compensation does not cover

Independent contractor classification

Independent contractors are not covered by workers comp unless they are misclassified. Classification disputes are common.

Intentional self-injury

Injuries caused intentionally by the employee or while committing a crime are excluded.

Non-work-related illnesses

Employee illnesses not caused by the work environment are excluded.

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.

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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.

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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.

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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.

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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.

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GET STARTED

Have three or more employees in Georgia?

Georgia requires workers comp once you have three or more employees including part-time. Send us your payroll and class codes and we will compare carriers.

$0.20 to $4.50 per $100 of payroll depending on class code

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