Workers’ Compensation Insurance for Employers in Woodstock, GA
If you own or operate a business in Woodstock, GA, workers’ compensation insurance is an important piece of your risk management plan. It can help protect your business and your employees if someone gets hurt or becomes ill as a result of their work.
Who is Covered by Workers’ Compensation?
In most cases, workers’ compensation covers full-time and part-time employees, and in some industries, it may also apply to subcontractors or temporary workers. Georgia law generally requires coverage for most businesses with three or more regular employees, regardless of whether they’re full-time or part-time.
Coverage typically includes injuries or illnesses that happen in the course of employment, whether that’s a slip on a warehouse floor or repetitive strain from daily tasks at a desk. Volunteers and independent contractors are generally not covered, but certain exceptions may apply depending on your industry.
What is the Purpose of Workers’ Compensation Insurance?
Workers’ compensation insurance helps cover the cost of workplace injuries or illnesses while protecting employers from certain legal claims. It serves two main functions:
- Employee support—It may provide benefits for medical treatment, lost wages, rehabilitation and, in some cases, long-term disability or death benefits.
- Legal protection—In exchange for these benefits, employees generally waive the right to sue their employer for the injury, helping reduce litigation risks.
How Does Workers’ Compensation Insurance Work?
When an employee is injured on the job, a claim is filed with the insurer. If the claim is approved, the insurance company pays out benefits according to state guidelines. Employers are responsible for reporting the injury and cooperating with the claims process.
Secure the Coverage Your Business Needs
At Kris D Rogers & Associates, we help business owners in Woodstock, GA find workers’ compensation coverage that meets both legal requirements and business goals. Contact us today to get started.