Best Workers' Compensation Insurance in Georgia (2025)

To determine the best workers’ compensation insurance in Georgia, MoneyGeek analyzed providers in the state for their affordability, customer satisfaction, financial stability and online quote process. biBERK came out on top with high scores across these metrics.

Workers' compensation insurance is a legal requirement for small business owners in Georgia, serving as a safeguard against potential financial and legal liabilities. In the event of an employee's work-related illness or injury, it can cover medical expenses, lost wages and potential lawsuits, reducing liability for you and your employees.

Our analysis ranks biBERK as the overall best workers’ comp insurance provider in Georgia. biBERK narrowly outranked Thimble thanks to the company's strong customer satisfaction record. biBERK's workers' compensation insurance costs an average of $148 per month, but this can change depending on factors unique to your business.

If you’re after affordability, the cheapest workers’ compensation insurance in Georgia is from Pie Insurance, with premiums averaging $106 per month.

See how we ranked companies by average monthly cost in the table below to find the cheapest insurer. Remember, the best option for your small business may depend on other factors.

For Georgia businesses with approximately five employees, the best option for workers’ compensation is Pie Insurance, with an average monthly premium of $29.

Although employee count does impact your workers’ comp insurance premium, payroll is typically the main cost factor. We gathered quotes for a business with five employees and annual payroll costs of $312,500 to determine the best workers’ comp for micro businesses (that is, businesses with fewer than 10 employees) in Georgia.

Nationwide offers the best workers’ compensation for midsize businesses in Georgia, with a monthly premium of $391 for businesses with approximately 100 employees.

Besides employee count, payroll plays a major role in the cost of workers’ comp. We gathered quotes for a company with 100 employees and an annual payroll amount of $6,250,000 to find the best workers’ comp for midsize businesses in Georgia.

On average, workers' compensation insurance in Georgia costs $158 per month for businesses with 20 employees, which is less than the national average cost of $168 per month. Our sample policy limits are as follows:

• $1 million total policy limit
• $1 million per accident limit
• $1 million per employee limit

This means that the policy will cover up to $1 million for any given accident and $1 million per employee, up to the total policy limit of $1 million. However, if your employee needs more in lost wages or has medical bills exceeding these limits, you must pay for that out of pocket. Umbrella insurance can also help expand your coverage limits.

Annual payroll and employee count are among the most significant factors impacting workers' compensation insurance costs. See how the cost of workers' comp in Georgia varies by employee count in the table below.

The cost of workers’ compensation insurance can vary significantly from one business to another. This includes factors such as the number of employees, payroll costs, employee class code, state regulations and previous claims.

Workers’ compensation insurance in Georgia is only required for businesses with three or more employees, regardless of whether they are part-time or full-time. A sole proprietor and up to five officers or members of a limited liability company (LLC) are the only exemptions.

Even if you are exempt, getting workers’ compensation insurance in Georgia is essential to ensure you’re financially protected. Opting out of workers' compensation insurance means you assume all financial responsibility for workplace injuries. This could result in high costs and legal action from the injured employee.

Having workers’ compensation insurance in Georgia can provide several benefits for employers and employees.

For employees who suffer a work-related injury or illness, it can cover the cost of necessary medical treatment, such as hospital stays, surgeries and rehabilitation. Workers’ comp may also compensate employees for lost income if they cannot work due to injury or illness. Additionally, workers’ comp may cover lost wages, vocational rehabilitation and even death benefits if an employee passes away due to a work-related incident.

For business owners, workers’ compensation ensures your business is financially protected if something happens to your employees on the job. Medical expenses, lost wages and other costs can add up quickly. With workers’ compensation insurance, your business will not have to pay them out of pocket.

Employees in Georgia can find resources and file workers’ compensation insurance claims through the Georgia State Board of Workers’ Compensation. Employees needing workers’ comp benefits must file form WC-14 with the state board and provide a copy to their employer and the employer’s insurance provider.

In some cases, the employer may guide an employee through the claim process and take on the responsibility of filing the form. Workers’ comp claims must typically be filed as soon as possible after an employee has sustained an injury or illness at work.

Choosing the right provider for workers’ compensation insurance in Georgia is essential, but there are several things to consider before making a decision. Find answers to frequently asked questions about the best workers' compensation insurance in Georgia.