General Information

• Georgia has its own laws to determine how employees must be covered and classified, which determines the premiums.
• Workers’ Compensation Insurance may be purchased by a licensed insurance agent, like The Whitlock Group.

What does Workers’ Compensation Cover?

• Medical costs associated with claims or injured workers, such as a slip and fall.
• Employee Wages/Income Replacement if injury qualifies.
• Short-term and Long-term Disability Benefits.

What does Workers’ Compensation NOT Cover?

• Injuries resulting from a violation of the law.
• Accidents from using drugs or alcohol.
• Injuries that do not occur in connection with the job.
• Clear violation of company policy.

How much does Workers’ Compensation Insurance Cost?

• Rates and premiums vary and are based on numerous factors, including the state the business is in; class codes for categories of jobs, such as clerical or home health care; estimated payroll; and previous workers’ compensation claims.

What are the benefits of Workers’ Compensation Coverage if injury qualifies? 

• Benefits for the business may include limited liability if you’re sued by an injured employee and safety resources to reduce workplace accidents.  
• Benefits of this policy for employees may include employee medical expense benefits, lost wage benefits, and short-term and long-term disability benefits.