• That Insurance Dude

Talkin’ Workers Compensation

Workers Compensation insurance can be one of the most confusing things for a new business owners. Where do I start? What level of coverage do I need? Does my business even need workers compensation insurance?

line of men with red man falling over

At IPG Insurance, we are experts in the field of workers compensation insurance and can easily help answer all your workers compensation questions and guide you in selecting the right coverage for your business.

First off some basic questions:

What is workers compensation coverage and what can it do for my business?

Workers’ compensation or workers’ comp is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence

How many employees do I need to have before getting workers compensation insurance?

If you regularly employ three or more persons in your Georgia business, you are required to provide the benefits, and yes this also includes part time employees (if they are regular).

What if I am operating my business as a sole proprietorship?

The Georgia Law considers sole proprietors and partners to be employers not employees, just the opposite of corporations. However, they can elect to be covered as an employee by advising their insurance carrier in writing.

What kind of costs am I looking at?

Your cost for workers compensation insurance depends on your business’ unique risks. So, there’s no standard cost for workers’ comp insurance or workman’s comp. Several factors affect workers’ compensation costs, such as your:

  1. State’s laws

  2. Business’ size

  3. Employees’ type of work

  4. Claims history

If you would like for us to look over your current insurance, or start the process of getting you a workers compensation quote, please use the “Get a Quote” feature on our website, or give us a call at 229-430-9107.

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