Where Can I Get a Workers Comp Quote in Georgia?
Where Can I Get a Workers Comp Quote in Georgia?
Your Complete Guide to Georgia Workers’ Compensation Quotes
Protect your business and your employees with the right coverage. If you’re wondering, “Where can I get a workers comp quote in Georgia?”—you’ve come to the right place! WorkComp Options specializes in fast, affordable, and tailored workers’ compensation solutions for Georgia employers in every industry.
Why Workers’ Comp is Required in Georgia
Georgia law requires most businesses with three or more employees (including part-time, full-time, and seasonal staff) to carry workers’ compensation insurance. This protects both your organization and your team by covering medical costs, lost wages, and other benefits in the event of a workplace injury.
Exemptions:
- Railroad carriers
- U.S. government agencies
- Farm workers
- Domestic workers
Penalties for non-compliance can include fines up to $10,000 per incident, lawsuits, and possible criminal charges.
Who Needs Workers’ Comp Insurance in Georgia?
- Businesses with 3+ employees (owners/officers included)
- Part-time and full-time staff
- Seasonal workers
- Most industries (construction, healthcare, retail, hospitality, trucking, etc.)
- Self-employed/sole proprietors: Optional, but recommended for risk management
Unsure about your obligations? Contact WorkComp Options for a free eligibility check.
How Workers’ Comp Protects Your Business
Workers’ compensation covers:
- Medical expenses for work-related injuries/illnesses
- Lost wages during recovery
- Disability benefits (temporary/permanent)
- Rehabilitation and retraining
- Death benefits and funeral costs
| Benefit Type | What It Covers | Georgia Limits |
|---|---|---|
| Medical Expenses | Hospital, ER, surgery, prescriptions, therapy | Unlimited |
| Lost Wages | Up to 2/3 average weekly wage (max $675/week) | Up to 400 weeks |
| Disability | Partial or total, temporary or permanent | Varies |
| Death Benefits | Payments to dependents, funeral expenses | Up to $7,500 |
How to Get a Workers’ Comp Quote in Georgia (with WorkComp Options)
Step 1: Apply Online
- Use our 15-minute application—minimal paperwork required
- Submit basic business info, payroll, employee count, and claims history
Step 2: Expert Review
- Our specialists analyze your details and identify cost-saving opportunities
Step 3: Shop Over 50+ Top Programs
- We submit your info to our network (AmTrust, Normandy, Biberk, Travelers, and more)
Step 4: Compare Quotes
- Receive a breakdown of options—premium, deductibles, coverage limits, discounts
- We’ll compare against any other quotes you have!
Step 5: Select and Bind Coverage
- Choose the best fit, finalize payment (Pay-As-You-Go available)
- Get your certificate of insurance—often within 24 hours
Why Choose WorkComp Options?
Georgia workers’ compensation insurance agency graphic.
- Save Up to 20%+ with targeted discounts
- Low Deposit Options ($0 in some cases)
- Experienced, Local Service (20+ years in Georgia)
- Audit & Claims Review
- Safety and Drug-Free Discounts
- Coverage for Hard-to-Place Risks & Industries
What Impacts Your Workers’ Comp Rate?
| Factor | Impact on Premium |
|---|---|
| Payroll Size | Higher payroll = higher cost |
| Number of Employees | More employees = more risk |
| Industry Classification | High-risk jobs cost more |
| Claims History | Fewer claims = lower rates |
| Location in Georgia | Urban/rural, local rates |
| NCCI MOD Worksheet | Experience modifier |
| Deductibles | Higher deductible = lower premium |
| Payment Plan | Pay-As-You-Go saves cash flow |
Georgia Workers’ Comp Rate Examples
| Industry | Avg. Monthly Premium* |
|---|---|
| Landscaping & Lawn Care | $50 – $120 |
| Restaurant | $40 – $110 |
| Home Health Care | $70 – $130 |
| Construction | $100 – $180 |
| Retail | $30 – $90 |
| Trucking | $110 – $250 |
| Manufacturing | $80 – $170 |
*Actual rates depend on payroll, claims, job class, and carrier. Get your personalized quote for exact pricing.
Industries We Serve in Georgia
WorkComp Options specializes in coverage for:
- Home Health & Nursing Homes
- Construction & Contractors
- Hospitality & Restaurants
- Janitorial & Cleaning Services
- Landscaping & Lawn Care
- Manufacturing & Warehousing
- Trucking & Transportation
- Staffing & Temp Firms
- Security Guards
- Professional Services
Frequently Asked Questions
Q: Is workers’ comp required for part-time employees?
A: Yes. If you have 3 or more regular employees (including part-time), coverage is mandatory.
Q: Can officers/owners opt out?
A: Up to five corporate officers can waive coverage for themselves, but they still count toward the employee total.
Q: What are the penalties for not having workers’ comp?
A: Civil fines ($1,000–$10,000/incident), possible criminal charges, and personal liability for damages.
Q: How quickly can I get coverage?
A: Most policies can be quoted and bound within a few business days, sometimes the same day.
Q: Can I get Pay-As-You-Go billing?
A: Yes! Easy payment options based on actual payroll are available.
Q: Can you help high-risk or hard-to-place businesses?
A: Yes—specialized programs for challenging industries.
Ready to Get Your Georgia Workers’ Comp Quote?
- Apply Online Now (15 min or less)
- Schedule a Free Consultation
- Call: (678)810-0181
- Email: admin@workcompoptions.com
Fast, affordable, and hassle-free coverage—powered by WorkComp Options.
Additional Resources
- Georgia State Board of Workers’ Compensation
- How to Get the Cheapest Workers’ Comp Insurance
- Managing Multi-State Guards from Georgia
- Workers’ Compensation Insurance Blog
