Workers Comp Rates in Georgia (GA)

Georgia workers comp rates are approximately 5% above the national average. Here's what Georgia business owners need to know about classification and premiums.

Georgia Workers Comp Overview

Georgia requires workers comp for businesses with 3+ employees. Rates are moderate and the state uses NCCI classifications. The competitive insurance market means proper classification can help you get better quotes.

How Georgia Rates Compare

With a state modifier of 1.05x, a business in Georgia paying $10,000 in base premium nationally would pay approximately $10,500 in GA. This makes proper classification even more important in high-rate states like Georgia — every misclassified employee costs more.

The most impactful thing a Georgia business owner can do is ensure that office, clerical, and administrative employees are coded separately from their operational staff. In GA, the difference between a clerical code (8810 at $0.16/$100) and a construction code (5403 at $9.42/$100) is massive — and that gap is amplified by the state modifier.

This guide is for informational purposes only and is not insurance advice. Georgia rates and requirements are subject to change.