Georgia contractor workers' comp: what it costs

Real contractor policies we placed

None of these policies is in Georgia, and rates differ by state, so treat them as a sense of scale, not a Georgia price.

A heating and air conditioning contractor in Florida we insure pays $1,182 a year for workers' comp, written with AmTrust.

A remodeling contractor working on single-family homes we insure pays $1,237 a year for workers' comp, written with AmTrust.

A concrete block masonry contractor we insure pays $1,575 a year for workers' comp, written with The Hartford.

A home remodeler working on single-family homes we insure pays $2,565 a year for workers' comp, written with The Hartford.

A builder of new single-family homes we insure pays $3,562 a year for workers' comp, written with The Hartford.

A general electrical contractor we insure pays $3,774 a year for workers' comp, written with Employers.

Each line is one real policy we placed, not an average or a range. Your price depends on your payroll, the type of work, your state and your claims, and we can't promise a price until we see your details.

Who must carry workers' comp in Georgia

A Georgia business that regularly employs three or more people, full-time or part-time, must carry workers' comp. Regular part-time employees count.

In a corporation, every officer counts as an employee. Up to five officers or LLC members can waive coverage for themselves by filing form WC-10 with the insurer, but a waiver doesn't lower the employee count. Sole proprietors and partners are treated as employers, not employees, and can choose coverage in writing.

Construction and subcontractor rules in Georgia

Georgia law makes a contractor liable for compensation to an employee of its subcontractor who is hurt on the job (O.C.G.A. 34-9-8(a)), when the sub has no coverage.

Georgia's Insurance Commissioner recommends checking every sub's coverage in the state's online lookup, even when you hold a certificate. If you can't show an uninsured sub had coverage, your insurer will charge you for that sub at audit.

What we need to quote

Send the items below. If you also work outside Georgia, list each state and the payroll for work there.

We can't promise a price before we see your details. We will tell you what we found and what each quote assumed.

Annual payroll, split by the type of work each person does.
Number of full-time and part-time employees.
Years in business.
Claims in the past few years, or a note that there were none.
Whether your subcontractors carry their own workers' comp.

Your startup action list

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Annual payroll, split by the type of work each person does.
Number of full-time and part-time employees.
Years in business.
Claims in the past few years, or a note that there were none.
Whether your subcontractors carry their own workers' comp.

Use this guide for planning. Confirm requirements and current fees with the agencies serving your address. Coverage depends on the policy and insurer; this guide does not confirm that a particular operation is eligible.