Title: Workers Compensation Insurance
Author: Kevin
Published: February 15, 2016

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#  Workers Compensation Insurance

## Looking for Workers Compensation insurance in Georgia?

When your employees are taken care of, _your business is taken care of_.

A key part of running your business is keeping employees safe at work. However, 
if one of your employees does suffer an injury, Workers Compensation coverage provides
you and your employees with important protection.

You pride yourself on operating a safe, secure work environment where your employees
can perform to the best of their ability while helping your business grow. Even 
in the most ideal circumstances, the reality is that accidents and illness still
happen.

A slip and fall at a restaurant resulting in broken bones, an equipment malfunction
at a construction site causing eye injury—it could be any number of things.

## Am I required to have Workers Compensation Insurance?

Workers Compensation coverage is a state-mandated insurance program that covers 
lost wages and medical treatment resulting from an employee’s work-related injury
or illness. It also covers services needed to help an employee recover and return
to work.

In most states, work comp insurance is required.

## How Much Is Workers Compensation Insurance in Georgia?

Because coverage requirements vary by state, the cost of Workers Compensation depends
on where your business operates. Other factors that affect your rates include…

 * The number of employees you have.
 * The type of work your employees do.
 * Your claims history.
 * Your industry.

Like all insurance, Work Comp is priced based on risk.

Riskier industries and jobs are more expensive to insure than less risky ones. To
make sure prices are as fair as possible, they’re determined by classification codes.

Each type of work or industry has a unique code that classifies the industry and
risk, and helps the insurance carrier determine a suitable rate.

One way to save money on your Workers Comp policy is to make sure you’ve classified
every employee correctly. The secretary for a construction firm, for example, will
have lower rates than the bricklayers.

At Lovett Insurance Agency, we understand the importance of keeping your employees
safe and sound. After all, they are the foundation of your business.

[Call our office](https://www.lovettinsurance.com/contact/?output_format=md) today
and we’ll discuss your needs and options. You can also head over to our [quotes page](https://www.lovettinsurance.com/quotes/?output_format=md)
and get started that way too.

#### Would You Like Us To Review Your Policies?

 * Are you a current client of our agency?*
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 * What policy number(s) do you need help with if available?
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 * Details regarding your question, policy change, claim or other request:*

### Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Lovett Insurance
Agency is here and ready to make the process as painless as possible. We look forward
to meeting you!

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