Duluth workers’ compensation insurance
Workers’ compensation insurance is optional for most Duluth Ga businesses. Many employers, however, elect to carry coverage as it’s a cost-effective solution that can save a business or company money in the long run.
Who needs workers’ comp insurance in Duluth?
Duluth is different from most other cities because it does not typically mandate workers’ compensation insurance, although employers without this coverage must notify the state and their employees.
Even when workers’ compensation insurance is not required, it’s often in the employer’s best interest to provide coverage. If an employee is injured on the job, the employer could be held liable to pay for expenses associated with medical treatment, ongoing therapy, and lost wages.
Business owners that decide not to purchase workers’ comp insurance are called nonsubscribers. They must report to the state that they do not have coverage, and they must report workplace injuries.
If an employee is injured on the job at a business with no coverage, that person can sue the employer. In that case, the employer is not allowed to defend itself in court with an argument of employee negligence.