Workers’ Compensation Insurance in Georgia – Protect Your Team and Your Business in Atlanta, Georgia
Dependable coverage from a local agent who understands your industry.
At The Elkins Agency, we help business owners take care of their employees with clear, reliable workers’ compensation coverage. Whether you have one employee or an entire team, we make protection simple and straightforward — so you can focus on the work you do best.
What Your Policy Should Cover
We break down what a strong workers’ comp policy includes — and why it matters.
Medical Expenses
Covers necessary medical care when an employee is injured on the job — from doctor visits to surgeries and physical therapy.
Lost Wages
Replaces a portion of an employee’s income if they need time away from work to recover.
Disability Benefits
Provides benefits if an injury leads to partial or total disability, temporary or permanent.
Employer Liability
Protects your business if an employee claims their injury was caused by negligence and files a lawsuit.
Optional Add-Ons
Ask us about coverage for corporate officers, volunteers, or special endorsements needed for certain contracts.
Why Workers’ Compensation Insurance Is Essential in Atlanta, Georgia
It’s Required for Most Georgia Businesses
Georgia law requires workers’ comp if you have three or more employees, even if some are part-time. A proper policy keeps your business compliant and protected.
Protecting Your Employees Is Good for Business
Accidents happen, even in low-risk industries. Workers’ comp ensures your employees get the care they need without placing the financial burden on them — or on your business.
Avoiding Costly Out-of-Pocket Expenses
Without workers’ comp, your business could be responsible for medical bills, lost wages, legal fees, and fines. The right policy offers financial protection and peace of mind.
Add-Ons That Matter
Smart extras that support your operations and help meet industry requirements.
Coverage for Officers & Owners
Choose whether to include or exclude business owners based on your needs.
Volunteer Coverage
Helpful for nonprofits or community organizations.
Contractor or Subcontractor Requirements
Ensures you meet the workers’ comp terms required by general contractors or job sites.
Our Approach to Workers’ Compensation Insurance in Atlanta, Georgia
Coverage Built Around Your Industry
From contractors and restaurants to retail shops and small offices, we tailor coverage based on how your team works and the risks they face.
Experience With Hard-to-Place Accounts
If you’ve had claims, gaps in coverage, or higher-risk operations, we work with specialty markets to help get you back on track.
Reliable Coverage, Competitive Rates
We compare workers’ comp carriers known for fair pricing, strong safety support, and dependable claims handling — helping you protect your team without stretching your budget.
Guidance for New Employers
If this is your first time purchasing workers’ comp, we’ll walk you through every part of the policy: payroll classifications, audits, required filings, and what you need to stay compliant.
Frequently Asked Questions – Workers’ Compensation Insurance
Do I really need workers’ comp if I only have a few employees?
Yes. In Georgia, businesses with three or more employees must have workers’ compensation coverage.
Does workers’ comp cover independent contractors?
Not typically. However, many contractors require proof of coverage before work begins. We’ll help you determine what applies to your situation.
What happens during a workers’ comp audit?
Carriers review your actual payroll and classifications to ensure accurate pricing. We’ll help you prepare so there are no surprises.
Does workers’ comp cover illness?
It can, if the illness is directly caused by workplace conditions. Coverage depends on the circumstances — we’ll help you navigate it.
Protect Your Team, Protect Your Business in Atlanta, Georgia
Your employees are the foundation of your business — make sure they’re protected.