Buy affordable workers'compensation online in lessthan 5 minutes

If you run a small business, here’s what you need to know about workers’ compensation insurance requirements in Atlanta, Savannah, Macon, or anywhere else:

If you employ at least 3 workers including yourself, and other (full- or part-time) employees, the State of Georgia requires you to buy workers’ compensation for your business. It’s not an option. It’s mandated by law, and there are penalties if you don’t buy coverage. (See below for more on that.)

And if you have fewer than 3 employees? Workers’ compensation is optional for you—technically. But you should strongly consider purchasing a workers’ compensation insurance policy anyway. If an employee gets sick or hurt because of working for you, you may be financially responsible for their medical bills (and other associated costs). Without workers’ compensation, that means you could be on the hook for tens of thousands of dollars—a potential catastrophic blow to your business.

In short, most small businesses in Georgia should purchase workers’ compensation—even in situations when it’s not legally required. It’s an important protection for your business and your team. (And, incidentally, it’s the right thing to do for your employees.)

The most significant factor in Georgia workers’ compensation rates is payroll size: the bigger your payroll, the more you’ll pay for workers’ compensation. (Which makes sense, yes? The more employees you hire, the greater your risk that someone will eventually get injured.) But insurance premiums for workers’ compensation insurance in Georgia depend on many other factors, such as your industry, your safety record, and where you’re located.

So how much is workers’ compensation in Georgia? Some ballpark figures: The average cost that Huckleberry customers pay for workers’ compensation in Georgia is $147 per month. But Huckleberry customers have paid as little as $17 per month. That’s just a little over 50 cents per day. (And keep in mind that whatever price you pay, it’s almost certainly cheaper than paying a substantial legal settlement because of a work-related injury.)

Ultimately, the big question is what you will pay. For that, you’ll need to get a free 60-second estimate. It’s the best way to find out how much it will cost to get workers’ compensation in your situation. (Don’t worry. It’s easy, free, and much simpler than arguing with a workers’ compensation attorney.)

The Georgia State Board of Workers’ Compensation has mandated that workers’ compensation insurance pay out to cover expenses if an employee sustains a workplace injury or occupational illness. For example, if your floral assistant badly cuts their hand with scissors while assembling a bouquet, workers’ compensation may pay out to cover stitches and any ongoing rehabilitation. Or, if your employee comes down with a respiratory problem because they breathed in a chemical cleaner in the warehouse, workers’ compensation would cover the medical care they need to diagnose and treat the illness.

Also, Georgia workers’ compensation covers lost wages while your team member is recovering. So, if your injured worker will miss more than 7 days of employment, workers’ compensation may pay them a partial reimbursement of the money they earned before the accident—generally up to two-thirds of their former average weekly wage. And, in the event of a catastrophic injury—so severe that your employee can never return to work—workers’ compensation may pay them lifetime disability benefits, like income benefits (and even death benefits to dependents if the worst happens). It’s a pretty great coverage—and it’s vital to protect both your business and your team.

1. It’s fast. 95% of Georgia customers get the workers’ compensation coverage they need in 5 minutes.
2. It’s simple. We explain everything in easy-to-understand terms.
3. No paperwork. You’ll do everything through our online portal.
4. You’ll probably pay less than you would with a legacy insurance carrier. (Maybe significantly less.)