NEXT ranks highest for workers' comp insurance in Georgia, because of its customer service and comprehensive coverage options. The Hartford and Simply Business are reliable alternatives for Georgia business owners.
Workers' Comp Insurance in Georgia
NEXT tops our analysis of workers' comp insurance providers in Georgia, with an overall score of 4.59 out of 5.
Compare top Georgia workers' comp insurance providers and find your ideal coverage.
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Updated: September 10, 2025
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Key Takeaways
NEXT, The Hartford and Simply Business rank as Georgia's top workers' comp insurance providers based on comprehensive analysis.
Your business's specific needs, including industry risks, workforce size, claims record and financial constraints, determine the ideal workers' comp provider.
Compare quotes, assess industry knowledge, review performance history and evaluate coverage details to select the right workers' comp insurance provider in Georgia.
Best Workers' Comp Insurance Companies in Georgia
| NEXT | 4.59 | 1 |
| The Hartford | 4.53 | 2 |
| Simply Business | 4.50 | 3 |
| Coverdash | 4.43 | 4 |
| biBERK | 4.42 | 5 |
| Nationwide | 4.41 | 6 |
| Progressive Commercial | 4.37 | 7 |
| Hiscox | 4.35 | 8 |
| Thimble | 4.35 | 8 |
| Chubb | 4.26 | 9 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
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LEARN MORE ABOUT BUSINESS INSURANCE IN GEORGIA
To help you learn more about your coverage needs, use these resources to other types of coverage:
Best Georgia Workers’ Comp Insurance Reviews
NEXT and The Hartford emerge as the premier workers' compensation insurance providers in Georgia, offering superior coverage options for business owners.
NEXT
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$70We analyzed thousands of workers' compensation quotes from insurers operating in Georgia across 79 industriesOur Survey: Claims Process
3.9/5Rating based on customer satisfaction with claims handlingOur Survey: Recommend to Others
4.8/5Likelihood customers would recommend this provider
The Hartford
Runner-up Best Provider
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average monthly premium
$70Average monthly workers' compensation premium for The Hartford in GeorgiaOur survey: Claims process
4.5/5Rating based on customer satisfaction with claims handling experienceOur survey: Recommend to others
4.5/5Percentage of customers who would recommend The Hartford to others
Cheapest Workers' Comp Insurance Companies in Georgia
NEXT is Georgia's cheapest insurer with rates of $70 monthly ($835 annually). The Hartford and Thimble provide competitive alternatives at $70 and $72 per month, respectively. The table below shows costs from all companies we analyzed:
| NEXT | $70 | $835 |
| The Hartford | $70 | $841 |
| Thimble | $72 | $858 |
| Progressive Commercial | $72 | $865 |
| Simply Business | $72 | $865 |
| Hiscox | $73 | $871 |
| Coverdash | $74 | $885 |
| biBERK | $76 | $912 |
| Nationwide | $82 | $986 |
| Chubb | $86 | $1,032 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Your actual premium depends on where your business is located, what industry you're in, how many employees you have, and other factors insurers consider.
Average Cost of Workers’ Comp Insurance in Georgia
Workers' compensation insurance in Georgia costs businesses about $75 per month ($895 annually), running just $1 above the national monthly average of $74. Georgia's rates stay competitive, though your specific premium depends on your industry's risk level, number of employees, annual payroll and claims history.
Average Cost of Workers' Comp in Georgia by Industry
In Georgia, workers' compensation insurance costs vary dramatically by industry risk level. Speech therapists pay the lowest premiums at $6 per month, while roofing companies face much higher rates at $843 monthly. This significant difference reflects the varying workplace injury risks across different industries.
| Accountants | $21 | $248 |
| Ad Agency | $16 | $194 |
| Auto Repair | $154 | $1,847 |
| Automotive | $119 | $1,430 |
| Bakery | $55 | $656 |
| Barber | $14 | $171 |
| Beauty Salon | $15 | $178 |
| Bounce House | $40 | $486 |
| Candle | $40 | $483 |
| Cannabis | $85 | $1,015 |
| Catering | $75 | $902 |
| Cleaning | $50 | $596 |
| Coffee Shop | $48 | $572 |
| Computer Programming | $29 | $346 |
| Computer Repair | $24 | $290 |
| Construction | $184 | $2,208 |
| Consulting | $31 | $366 |
| Contractor | $169 | $2,022 |
| Courier | $229 | $2,743 |
| DJ | $14 | $172 |
| Daycare | $14 | $163 |
| Dental | $11 | $135 |
| Dog Grooming | $66 | $789 |
| Drone | $27 | $326 |
| Ecommerce | $22 | $263 |
| Electrical | $58 | $695 |
| Engineering | $39 | $465 |
| Excavation | $109 | $1,311 |
| Florist | $62 | $740 |
| Food | $43 | $513 |
| Food Truck | $46 | $553 |
| Funeral Home | $27 | $329 |
| Gardening | $48 | $571 |
| HVAC | $64 | $766 |
| Handyman | $96 | $1,150 |
| Home-based | $10 | $122 |
| Hospitality | $70 | $842 |
| Janitorial | $49 | $592 |
| Jewelry | $30 | $365 |
| Junk Removal | $143 | $1,714 |
| Lawn/Landscaping | $38 | $460 |
| Lawyers | $53 | $639 |
| Manufacturing | $59 | $713 |
| Marine | $154 | $1,843 |
| Massage | $15 | $178 |
| Mortgage Broker | $14 | $168 |
| Moving | $266 | $3,195 |
| Nonprofit | $32 | $387 |
| Painting | $144 | $1,725 |
| Party Rental | $37 | $448 |
| Personal Training | $25 | $304 |
| Pest Control | $71 | $856 |
| Pet | $31 | $375 |
| Pharmacy | $6 | $78 |
| Photography | $17 | $210 |
| Physical Therapy | $7 | $84 |
| Plumbing | $65 | $782 |
| Pressure Washing | $84 | $1,008 |
| Real Estate | $31 | $367 |
| Restaurant | $64 | $766 |
| Retail | $36 | $431 |
| Roofing | $843 | $10,119 |
| Security | $53 | $635 |
| Snack Bars | $44 | $530 |
| Software | $27 | $320 |
| Spa/Wellness | $18 | $211 |
| Speech Therapist | $6 | $73 |
| Startup | $13 | $157 |
| Tech/IT | $28 | $331 |
| Transportation | $231 | $2,776 |
| Travel | $7 | $85 |
| Tree Service | $224 | $2,688 |
| Trucking | $274 | $3,291 |
| Tutoring | $10 | $122 |
| Veterinary | $20 | $239 |
| Wedding Planning | $29 | $347 |
| Welding | $118 | $1,413 |
| Wholesale | $40 | $483 |
| Window Cleaning | $213 | $2,550 |
How Much Workers' Comp Insurance Do I Need in Georgia?
In Georgia, businesses with three or more regular employees must carry workers' compensation. This covers medical expenses and lost wages if employees get hurt or sick because of their job.
Businesses that fail to provide required workers' comp coverage can be fined up to $1,000 per violation, plus 10% of unpaid compensation. Georgia can also pursue criminal misdemeanor charges.
Sole proprietors
Business owners operating alone can typically opt out of workers' comp coverage since they are not considered employees of their own company
Corporate officers
Executive officers owning at least 25% of company stock can choose to exclude themselves from coverage by filing a written waiver
Independent contractors
Self-employed individuals who maintain control over their work methods and schedule can qualify for exemption if they meet state contractor criteria
Seasonal workers
Employees who work fewer than 13 weeks per year in non-hazardous seasonal roles may be exempt from coverage requirements
Real estate agents
Licensed real estate professionals working on commission basis typically qualify for exemption when operating as independent contractors
Domestic workers
Household employees working fewer than 40 hours per week or earning below state threshold may not require coverage
Religious organizations
Members of religious organizations who have taken vows of poverty while working for their church or order can be exempt
Small agricultural operations
Farm operations with limited annual payroll or fewer than five regular employees may qualify for exemption from coverage requirements
How to Get the Best Workers' Comp Insurance in Georgia
Coverage options are available while keeping business insurance costs in check. Take time to compare insurance rates from multiple providers.
- 1
Check Georgia coverage requirements
Most businesses in Georgia must have workers' comp when employing three or more workers.
- 2
Collect business documentation
Prepare accurate payroll records, employee counts, and job classifications before requesting quotes.
- 3
Get multiple insurance quotes
Contact at least three different insurance carriers for quotes.
- 4
Find industry-specific expertise
Choose insurers who understand your industry's unique risks and compliance requirements.
- 5
Compare provider services
Review each insurer's claim processing speed, complaint history, and additional services. Look for benefits like workplace safety programs and injury prevention resources.
- 6
Review coverage details
Carefully examine policy limits, exclusions and payment options. Consider pay-as-you-go structures.
- 7
Schedule annual coverage review
Check coverage each year since your business operations and coverage needs will likely change.
Georgia Workers’ Comp: Bottom Line
Georgia offers several outstanding workers' compensation insurance providers for business owners. Our analysis shows NEXT, The Hartford and Simply Business lead the pack in delivering comprehensive coverage. Consider getting quotes from these top-rated carriers to find the best match for your industry type, company size and financial requirements.
Georgia Workers' Comp Insurance: FAQ
Understanding workers' compensation insurance requirements in Georgia can be complex for business owners. Here are straightforward answers to the most common questions about coverage requirements and costs in Georgia.
Is workers comp insurance required for all Georgia businesses?
Georgia businesses with three or more regular employees must carry workers' compensation insurance. Sole proprietors, independent contractors and corporate officers who own at least 10% of company stock are typically exempt. Businesses that fail to provide coverage face fines up to $5,000 per violation and potential criminal charges, including misdemeanor convictions with jail time.
How much does workers' comp insurance cost in Georgia?
NEXT offers the lowest-priced workers' comp insurance in Georgia at $70 per month ($835 annually). Your final premium will depend on your business's industry risk level, number of employees, payroll size and claims history.
What does workers' comp insurance cover in Georgia?
Georgia workers' comp insurance covers medical expenses and lost wages for work-related injuries or illnesses. Benefits include necessary treatments, rehabilitation costs and partial income replacement while unable to work. The coverage protects employers from lawsuits and applies to employees but not independent contractors.
Which workers' comp insurance company is best in Georgia?
NEXT leads Georgia's workers' comp providers with a 4.59 rating, excelling in customer service (4.70) and comprehensive coverage options. The Hartford follows at 4.53, known for consistent service quality, while Simply Business scores 4.50 and offers the most extensive coverage choices. Choose based on your priority: service quality, reliability or coverage breadth.
What happens if I don't have workers' comp insurance in Georgia?
Operating without workers' compensation insurance in Georgia is illegal for businesses with three or more employees. Violations can result in fines up to $5,000 per offense, potential criminal charges and business closure. The Georgia State Board of Workers' Compensation enforces compliance, and employers become directly liable for employee medical costs and lost wages.
Do sole proprietors need workers' comp insurance in Georgia?
Sole proprietors in Georgia are exempt from workers' compensation requirements since they're not considered employees. However, certain contractors and high-risk industries must carry coverage by law. Many sole proprietors voluntarily purchase policies to protect themselves against work-related injuries and lost income.
How do I choose the right workers' comp insurance company in Georgia?
Get quotes from at least three workers' compensation insurance providers in Georgia. Look for carriers with expertise in your industry and compare their rates, claims processes and customer satisfaction ratings. Check complaint records through Georgia's Department of Insurance and verify each company's financial stability before making your choice.
How We Scored the Best Workers' Comp Insurance Companies in Georgia
- Affordability (50%): Cost drives every small business insurance decision in Georgia's expensive market. We compared monthly premiums across all companies, since even comprehensive policies won't help if you can't afford them.
- Customer experience (30%): When your employee gets hurt, you'll need an insurer that handles claims quickly and treats injured workers fairly. We used J.D. Power ratings, Georgia Department of Insurance complaint data and independent reviews.
- Coverage options (15%): We evaluated each company's policy flexibility, add-on options and coverage limitations for specific Georgia industries and regulatory requirements.
- Financial strength (5%): Premium savings don't matter if your insurer struggles financially. We checked AM Best ratings to ensure recommended carriers can deliver on their promises.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.