Start Quote


Georgia Workers Comp Quotes in seconds! Click Start Quote!

Did you just start a new business and need a Ghost Policy or Minimum Premium Policy?…Or maybe you’ve been in business for years. Either way, click Start Quote and follow the steps to quote your policy through dozens of companies. You are GUARANTEED to receive at least one offer no matter what type of business you have, even if it just started.


Georgia Workers Comp Info

State Exemption available?  NO

Georgia requires workers compensation coverage if you have 3 or more “regular” employees.  That includes part time or full time casual laborers and owners/officers of a corporation. Sole Proprietors DO NOT count as employees, but can still choose to be covered.  Officers/Owners of a corporation do count as employees- even if they choose not to cover themselves.  In other words, a corporation with 2 owners and 1 employee must carry workers comp.  Subcontractors don’t count as employees AS LONG AS they meet some or all of the following:

  1. separate business entity
  2. have their own insurance
  3. can choose when to come to work
  4. provide their own tools/transportation.

If any of these items do not apply, the state may consider them to be employees for workers comp purposes regardless of whether you give them a 1099.

When calculating your Georgia Workers Comp Quotes, keep in mind the following amounts if you choose to include any owners/officers in the coverage.  Even if owners don’t draw a paycheck, these are the payroll amounts that will be counted for each owner who wants coverage.

-$46,800 for Sole Proprietors

-$47,500 Minimum and $192,400 Maximum for Officers