How to Get Workers’ Compensation Insurance

If your business in Rockdale County has three or more employees, Georgia law requires you to carry Workers’ Compensation Insurance. Here’s a step-by-step guide to help you get covered properly:

1. Determine If You’re Required to Carry Workers’ Compensation

• Georgia law requires all employers with three or more employees (including part-time and seasonal workers) to have workers’ compensation insurance.
• Construction businesses must carry coverage if they have one or more employees.

2. Choose How You’ll Obtain Coverage

• Private Insurance Company: The most common option. Contact a licensed insurance agent or broker in Rockdale County to compare quotes and policies.
• Self-Insurance: Large businesses may apply to self-insure if they meet strict financial and administrative requirements. This must be approved by the Georgia State Board of Workers’ Compensation.
• Assigned Risk Pool: If your business is considered high-risk or denied by standard carriers, you can apply through Georgia’s Assigned Risk Pool via NCCI.
  • More info: National Council on Compensation Insurance (NCCI)

3. What the Policy Should Cover

• Medical care for employees injured on the job
• Temporary or permanent wage replacement benefits
• Rehabilitation services
• Death benefits to dependents if an employee dies from a work-related injury

4. Post Required Notices at Your Business Location

• You must post:
  • WC-1 Panel of Physicians or Managed Care Organization (MCO)
  • State-approved Workers’ Compensation Bill of Rights
• Download required forms and posters here: Georgia State Board of Workers’ Compensation – Forms

5. Maintain Compliance and Renew Annually

• Review your policy annually and update based on changes in your number of employees or business activities.
• Report all injuries to your insurer and the State Board of Workers’ Compensation promptly.
• Keep all documentation organized for audits or inspections.

6. Helpful Resources for Your Business in Rockdale County

Georgia State Board of Workers’ Compensation
Phone: (404) 656-3870
Website: https://sbwc.georgia.gov

Georgia Office of Insurance and Safety Fire Commissioner
Phone: (404) 656-2070
Website: https://oci.georgia.gov

Rockdale County Business Resource Hub
Providing local guidance and resources to help your business in Rockdale County stay compliant with workers’ compensation laws and insurance coverage requirements.

Getting the right workers’ compensation coverage protects your business and employees, while keeping you compliant with Georgia law.