Workers Compensation
If you have employees, a workplace accident can become a very serious legal and financial problem for your company. Workers' Compensation insurance protects your business by covering medical expenses, lost wages, and potential claims when an employee suffers a work-related injury.
Protect your team and your business with our specialized policies designed to give you peace of mind against workplace accidents, legal claims and unforeseen risks.
With our personalized advice, we guarantee that your company complies with the law and that your employees work with the safety they deserve.
Your business and your people will always be supported!
Workers' Compensation insurance, or more commonly called Workers Comp, provides medical care, disability benefits, and lost wages to employees injured or disabled in the course of their employment.
The 5 insurances every contractor in Georgia should have.
1. Workers' Compensation Insurance
This insurance protects your employees in case of accidents or injuries at work. It covers medical expenses, rehabilitation, and lost wages . It also helps protect your company against potential lawsuits related to workplace injuries. In Georgia, many businesses are required to carry this coverage when they employ workers.
2. General Liability Insurance
General liability insurance protects your business if you cause damage to a client's property or if someone is injured during your work. It's one of the most sought-after types of insurance by clients, general contractors, and construction projects.
3. Commercial Auto Insurance
If you use vehicles for your business — such as vans or work trucks — this insurance protects against accidents, damage to third parties and civil liability while performing work activities.
4. Tools & Equipment Insurance
Contractors rely on their tools to work. This insurance protects tools, machinery, and equipment against theft, loss, or damage, helping you keep working without interruption.
5. Umbrella Liability Insurance
This insurance provides additional protection when your other insurance limits aren't sufficient. It's an extra layer of security that can protect your business against large lawsuits or unexpected situations.
Are you familiar with the Ghost Compensation Policy?
Known as a workers' compensation limited liability ghost policy, it is a low-premium insurance policy that protects a business owner from liability in the event of a workplace injury, but does not cover any employees.
It is designed for self-employed business owners who are exempt from workers' compensation requirements in their state, but still need to provide proof of coverage to qualify for contracts.
