Workers’ Compensation Insurance in Norcross, GA
Understanding the intricacies of workers’ compensation insurance can be challenging. The agents at Express Insurance Services in Norcross, Georgia, are here to simplify the process of getting the coverage your company needs. Contact us today for a workers’ compensation insurance quote.
Is Workers’ Compensation Insurance Required?
Workers’ compensation insurance is required for most businesses in Georgia. Companies with three or more workers, including regular part-time workers, are required to have workers’ compensation insurance.
However, there are some exceptions. For example, certain types of labor, like agricultural or domestic workers, might not be covered under this mandate. Your agent can help determine how Georgia’s workers’ compensation laws apply to your business.
How Much Is Workers’ Compensation Insurance for Small Businesses?
The cost of workers’ compensation insurance for a small business varies based on multiple factors, including the nature of your business, the total payroll, the job functions of your employees and your claims history. At Express Insurance Services, we work to find the most affordable solutions tailored to your unique business needs.
How Does Workers’ Compensation Coverage Work for Small Businesses?
Workers’ compensation insurance is designed to protect employees and employers in the event of a work-related injury or illness. For a small business, understanding how this type of insurance operates is crucial to ensuring compliance with state laws and providing adequate employee care.
If a covered employee gets injured on the job or contracts a work-related illness, they report it to the employer. The employer then provides the necessary forms and information for the injured employee to seek medical care. Once a claim is filed, the insurance carrier reviews the details. If the claim is approved, the insurance will cover the medical expenses related to the injury or illness according to the policy’s terms.
Workers’ compensation may cover various costs, including the following:
- Medical expenses
- Wage replacement
- Disability benefits
- Death benefits
Contact Express Insurance Services for a personalized workers’ compensation quote.