Georgia Workers Comp Rates

Georgia workers' compensation rates continue to decrease.

Over the past two years, the average ranking for Georgia's median workers comp rates compared to the rest of the country improved from the 27th spot to the 32nd spot. Rates in Georgia are about 95% of the median national rates according to a recent study by the OR Department of Consumer and Business Services.

Workers compensation reform passed in 2013 appears to be having a positive impact on the cost of workers compensation in Georgia. The reform bill placed a 400-week medical cap on medical benefits that were not classified as a catastrophic injury. Ultimately, this has driven the average cost of a claim down.

Insurance rates vary considerably in the state from one insurance carrier to the next. Employers are advised to shop their coverage with several insurance companies to help ensure they are finding the best rates for their industry and NCCI class codes.

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GA Rates for Select Work Comp Class Codes

The workers' compensation rates we've listed below for Georgia represent the most current insurance rates effective 3/1/2019. We can't guarantee that any business or employer will qualify for the lowest workers' compensation rates available in the state. Our agency shops workers compensation rates with dozens of insurance companies to ensure your customers get the lowest rates possible.

Class Code Low Rate High Rate
0035 Farm- Planting and Harvesting- Cannabis Growers $1.97 $8.68
0042 Landscaping Service $5.11 $22.52
0106 Tree Trimming- Pruning- Removal $10.46 $46.10
0917 Residential Cleaning Service- Housekeepers $4.35 $19.17
2121 Breweries- Craft Beers $0.82 $3.61
2143 Winery- Wine Makers $1.60 $7.05
2585 Carpet Cleaning $2.86 $12.60
2589 Dry Cleaning and Laundry Service $2.11 $9.30
3632 Machine Shop $2.24 $9.87
3724 Garage Door Installation $2.35 $10.36
3821 Salvage Yard- Automobile Recycling $4.17 $18.38
5022 Masonry Construction $11.42 $50.33
5102 Door and Window Installers $4.70 $20.71
5183 Plumbing Contractors $2.91 $12.82
5190 Electrical Work- Electrician $2.35 $10.36
5221 Concrete Work- Flat Work Cement $4.26 $18.77
5223 Pool Installation- Pool Maintenance $5.72 $25.21
5348 Ceramic, Tile and Stone Work $4.15 $18.29
5437 Trim- Finish Carpenters- Cabinets- Countertops $6.15 $27.10
5445 Drywall Contractors $11.11 $48.96
5474 Painting Contractor $8.18 $36.05
5478 Floor Installers- Wood-Carpet-Laminate $4.67 $20.58
5535 Metal Building Construction $6.46 $28.47
5537 HVAC- Heating and Cooling Service/Repair $3.47 $15.29
5537* Solar Energy Contractors- Installation $3.47 $15.29
5551 Roofing Contractors $24.21 $106.69
5606 Asphalt & Paving Work $0.79 $3.48
5645 Residential Construction- Home Builders- Remodelers- Siding $27.30 $120.31
6217 Excavation and Grading Work $3.70 $16.31
6400 Fence Installation & Repair $5.25 $23.14
7219 Trucking- Short Haul and Long Haul $4.84 $21.33
7225 Towing Company $4.42 $19.48
7230 Package and Parcel Delivery $5.92 $26.09
7370 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle $3.98 $17.54
7605 Alarm Installation and Repair $1.45 $6.39
7720 Security Guards- Patrol Officers $1.86 $8.20
8006 Gas Stations- Convenient Stores $1.69 $7.45
8017 Retail Stores- Merchandise- Cannabis Dispensary $1.06 $4.67
8292 Warehousing and Storage Facility $3.54 $15.60
8380 Auto Service and Repair- Mechanic $1.90 $8.37
8393 Auto Body Repair $1.15 $5.07
8742 Sales Professional $0.20 $0.88
8810 Clerical- Office Employee $0.09 $0.40
8824 Retirement Living Centers- Congregate Communities $3.06 $13.49
8829 Nursing Homes and Assisted Living Facilities $1.67 $7.36
8831 Animal Shelters and Kennels- Veterinarian $1.10 $4.85
8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist $0.21 $0.93
8835 Home Healthcare Workers $1.95 $8.59
8842 Group Homes- Temporary Shelters- Disability Facility $1.97 $8.68
8864 Social Service Organizations- Counseling- Family Services $1.37 $6.04
8868 Religious Organization- Church- Temple $0.27 $1.19
8869 Child Care Center- Daycare Providers $0.91 $4.01
9012 Property Management- Leasing Agent $0.60 $2.64
9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney $3.14 $13.84
9015 Building Maintenance- Campgrounds- Camps- RV Parks $2.38 $10.49
9052 Hotels and Motels $99.99 $8.24
9060 Golf Courses and Country Clubs $1.02 $4.50
9063 Fitness Center- Health Clubs- YMCA Programs $0.61 $2.69
9082 Restaurants- Catering $1.16 $5.11
9083 Fast Food Restaurant- Concessions- Doughnut Shop $1.12 $4.94
9083* Mobile Food Truck- Food Cart- $1.12 $4.94
9084 Bars-Taverns-Nightclubs $1.10 $4.85
9102 Lawn Service and Maintenance $2.60 $11.46
9180 Shooting Range- Amusement Park $3.45 $15.20
9402 Septic Tank Cleaning- Portable Toilets $5.02 $22.12
9403 Refuse Collection- Garbage- Trash Service $6.05 $26.66
9516 Electrical Equipment Repair and Service $3.14 $13.84

Georgia utilizes NCCI for its state rating bureau and for administering the Georgia workers' compensation Assigned Risk Plan (i.e. State Fund).rnrnAlabama workers comp rates vary by NCCI classification codes and insurance company underwriting standards. Employers' who have an Experience Modification Factor or, E-Mod, assigned to their business may have additional credits or debits applied to their insurance rates based on prior premium and workers compensation losses.

State Resources for Georgia

Georgia Department Of Insurance

Two Martin Luther King Jr. Drive SE
716 West Tower
Atlanta, GA 30334
800-656-2298
GA Dept. of Insurance

State Board of Workers Compensation

270 Peachtree Street, NW
Atlanta, Georgia 30303-1299
800-533-0682
GA State Board of Workers Comp

Georgia is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with NCCI to administer their State Fund and Assigned Risk programs.

Our agency can help employers find guaranteed state fund coverage in GA. If we can't find lower cost coverage with a private insurance provider we can help business owner purchase a state fund policy.

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