GA Workers Comp Information
Find the latest news and information about Georgia workers compensation insurance.
Workers compensation insurance coverage begins the first day of employment in Georgia. Generally, employers with three or more full or part-time employees are required by law to provide workers comp coverage. Employers with less than 3 employees may still be held liable to pay claims associated with injured workers.
An employer who fails to provide work comp coverage, as required by law, shall be held responsible for compensable injuries in the same manner as an employer having coverage. In addition, the Georgia Board of Workers Compensation may assess attorney’s fees, civil penalties, and a 10% increase in compensation to the employee, if the employer refuses or willfully neglects to purchase insurance.
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About Workers Compensation in Georgia
Workers Compensation Regulation in Georgia
Georgia State Board of Workers' Compensation.
270 Peachtree Street, NW
Atlanta, Georgia 30303-1299
The state Board is responsible for the oversight of workers compensation insurance in Georgia. They also investigate suspected workers compensation fraud. They have the authority to assess civil penalties up to $10,000 for any violations involving fraud.
Georgia Workers Comp Penalties
Civil penalties and criminal provisions include:
Notice of Injury in GA
Workers’ compensation law in Georgia requires both the employee and employer to report all work-related injuries. The law, in general, requires that an employee report an injury to the employer within 30 days after the occurrence of the injury. The Act requires the employer to question employees regarding the nature and cause of the injury. If the employee was prevented from giving notices due to physical or mental incapacity or due to fraud or deceit on the part of the employer, an exception may be made. The Board requires written notification from the employer within 21 days after notice of an injury that causes an employee’s absence from work for more than seven calendar days.
GA Workers Comp Panel of Physicians
Georgia law requires an employer must post a Panel of Physicians from whom injured employees can seek treatment. This list of physicians must be placed in at least one prominent place on the business premises and reasonable measures must be taken to ensure that employees understand the function of the panel and their rights with regard to the selection of a doctor. Employees are also to be given appropriate assistance in contacting panel physicians when necessary.
If medical treatment is necessary, the employee has the right to choose a physician from the panel. This physician becomes the employee’s authorized treating physician. The authorized treating physician may arrange for any consultation, referral or other specialized medical services required to treat the employee’s injury. As of July 1, 1994, a referral physician my not refer treatment to another physician. If the employee becomes dissatisfied with the original choice from the panel, he or she may make one change to another panel physician. Any further changes require approval of the employer or the Board.
Failure to comply with these rules may result in the employee having the freedom to select any physician he/she chooses to provide the employee with care for his her injuries, and may result in an assessment of penalties and attorney’s fees against the employer.
Georgia State Fund Insurance
Georgia does not have its own State Fund program. Like many other states, Georgia utilizes the National Council on Compensation Insurance (NCCI) to administer their Assigned Risk Program. Workers Compensation Shop.com is authorized to quote State Fund coverage in Georgia with NCCI.
Georgia Contractors and Workers Comp
Any contractor on construction company who hire subcontractors in Georgia may be held liable for workers compensation insurance premium associated with those subcontractors who do not obtain workers compensation insurance coverage. We advise all companies that hire subs to require a Certificate of Insurance naming their company as Additionally Insured
GA Online Workers Comp Verification
Georgia maintains an online verification tool designed to help employers and consumers verify that a company has an active workers compensation insurance policy. Link to the Online Verification site below:
More Programs and Options
We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.
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Workers Compensation Help?
- What is Workers Compensation?
- The Basics of Workers Comp
- Workers Compensation Q and A?
- Insurance Laws for Work Comp
- Managing Policy Claims
- Getting Work Comp Benefits
- NCCI Classification Codes
- Experience Modifiers and Ratings
- State Fund Coverage
- Workers Compensation Forms
- Handling Workers Comp Audits
- Understanding an Employer Liability Policy
- Excluding Owners and Officers
- Other States Coverage
Georgia Work Comp Information
Georgia Exclusive Remedy
employers who have workers compensation in Georgia are protected under Exclusive Remedy. This means that employees can't sue the employer for additional damages or benefits not otherwise covered under the insurance policy.
Let Workers Compensation Shop.com help your Georgia business find the most affordable insurance quotes in Georgia.
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