How to get workers’ comp insurance online in Georgia

Quick summary:

• EverPeak offers a direct online quote for Georgia businesses, no agent call required, in about 5 minutes.
• Georgia requires workers’ comp coverage once a business has three or more employees.
• Most Georgia businesses buy through a private carrier; self-insurance and the state’s assigned risk plan exist as fallback options for larger or harder-to-place businesses.
• Skipping required coverage can mean civil penalties and, in some cases, criminal charges.
• The employer pays the full premium; it can’t be deducted from employee wages.

Do I need workers’ comp insurance in Georgia?

In most cases, yes. Georgia requires coverage once a business regularly employs three or more people, full-time, part-time or on a seasonal basis. If your business has two or fewer employees, coverage isn’t legally required, though many small business owners carry it anyway. See our full breakdown of Georgia’s requirements for the complete rundown, including exemptions and corporate officer rules.

How do Georgia businesses buy workers’ comp insurance?

Most Georgia businesses get covered in one of three ways:

Private carrier 

Many Georgia employers get covered through an agent, a broker or directly online. It’s a fast and simple option for nearly every business. With EverPeak, you can get an online quote in just five minutes.

Assigned risk plan

If a business can’t find coverage in the private market, Georgia’s assigned risk plan, administered by the National Council on Compensation Insurance, exists as a fallback. 

Self-insurance

This option is built for large employers requiring State Board approval, audited financials and a significant bond. If that doesn’t sound like your business, a private carrier is almost certainly the right answer.

How can I get a workers’ comp quote online in Georgia without calling an agent?

With EverPeak, you can get a customized quote online in about 5 minutes, built around your actual business, industry, and payroll, not a generic estimate. Qualifying businesses can bind their policy and download a certificate of insurance in the same session.

Reasons Georgia businesses choose EverPeak:

• Competitive rates starting at $18 a month
• A customized quote in about 5 minutes, no agent call needed
• Backed by 100+ years of workers’ comp expertise
• A-rated carrier partners behind every policy
• An instant certificate of insurance once you bind
• 24-hour claims support if something goes wrong
• Multi-state coverage options under a single policy

What happens if I don’t carry required insurance coverage in Georgia?

An employer who fails to carry the required coverage in Georgia can face a civil penalty of $500 to $5,000 per occurrence, and willful noncompliance can result in a misdemeanor with fines up to $10,000 and jail time. An uninsured employer also remains fully liable for a claim if an employee is injured, in addition to those penalties.

Skipping coverage doesn’t remove the obligation. It just adds risk and penalties on top of it.

Who pays for workers’ comp insurance in Georgia?

Workers’ compensation is an accident insurance program paid by the employer, not deducted from employee wages or paid by the state.

The bottom line

Getting workers’ comp insurance online in Georgia comes down to answering a few questions about your business and letting the numbers do the work. What used to mean a phone call and a wait no longer has to.

At EverPeak, we offer competitive rates starting at $18 a month, and you can get a customized quote in about 5 minutes, no agent call required. Get a quote and see how quickly you can get your business properly covered.

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