Georgia Workers' Compensation: What you need to know

Georgia employers with three or more employees must provide workers' compensation insurance for their employees, and, with very few exceptions, all employees must be covered. The only exceptions are the following types of workers:

  • Those in workplaces with fewer than three employees
  • Railroad employees
  • Farm laborers
  • Domestic servants
  • Casual laborers
  • Independent contractors, including licensed real estate salespersons or associate brokers working as independent contractors
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A corporate officer or member of a limited liability company may elect to be exempt from coverage by giving notice to the insurer or state board of workers' compensation. A corporation or limited liability company may exempt up to five officers from coverage by identifying those exempted. They must be described by name as well as by office held.

Temporary employees/leased employees. Leased or temporary workers are considered to be employees of the leasing or temporary help company for purposes of workers' compensation.

No-Fault System

Workers' compensation is a "no-fault" system. Employees who are injured on the job do not have to prove that the employer's negligence caused the injury but only that the injury arose "out of and in the course of employment." The exact cause of the accident and who is to blame for it have no bearing on compensability except under certain specific circumstances.

Exclusive Remedy

The exclusive remedy doctrine is the fundamental premise of workers' compensation in all states. It says that an employee injured by an accident arising out of and in the course of employment may not sue the employer in civil court, even if the employer has been negligent. The trade-off is that employees receive income benefits and ...

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Related Topics

More on this topic:

WhoIs Covered?
What Is Covered?
Insurance Coverage
Posting of Notice
Contesting Benefits
Reporting and Recordkeeping
Violations andPenalties
Additional Information:

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Georgia Workers' Compensation Resources

Workers' Compensation Products

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