Workers' Compensation by state

Workers' compensation requirements in Georgia

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Direct answer

Does Georgia require workers' compensation insurance?

Yes. Georgia requires workers' compensation coverage once a business has three or more employees, under the Georgia Workers' Compensation Act. Georgia requires workers' compensation coverage once an employer regularly has three or more employees, counting full-time, part-time, and seasonal workers.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

How the mandate works

Georgia requires workers' compensation coverage once an employer regularly has three or more employees, counting full-time, part-time, and seasonal workers. Coverage is obtained from a private insurer or through an approved self-insurance program.

Coverage trigger: Three or more employees
If you go without coverage: Failing to provide required coverage can result in civil penalties, misdemeanor liability for willful violations, and direct exposure to an injured worker's claim.

Notable exemptions

Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.

Employers with fewer than three employees
Up to five corporate officers who elect to be exempt
Certain farm labor, domestic servants, and railroad employees covered by federal law

Statutes and sources

Georgia Workers' Compensation Act

Ga. Code Ann. sect. 34-9-1 et seq.

Regulator: Georgia State Board of Workers' Compensation . Last verified 2026-07-29 from the official source .

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