FAQ 1.

How many employees must I have in order to be required to provide workers' compensation insurance?
A:  If you regularly employ three or more persons in your Georgia business, you are required to provide the benefits.

FAQ 2.

Does this include part-time employees?
A:  Yes, as long as they are regular.

FAQ 3.

What do you mean by "regular" part-time employee?
A:  A regular part-time employee works regularly on a part-time basis. Such as employees who only work on weekends.

FAQ 4.

If my business is incorporated, am I or my fellow officers considered to be employees of the business?
A:  Yes. The corporation is considered to be the employer and all officers are considered to be employees of the business.

FAQ 5.

Can officers waive coverage on themselves?
A:  Yes. As many as five officers may waive coverage on themselves. Each such officer must complete and sign a form WC-10 and file it with their insurance carrier.

FAQ 6.

If one or more officers waive coverage, does this exempt them from being counted in the "three or more employees" rule? (See FAQ 1)
A:  No. Officer exemptions do not reduce the number of employees of the corporation.

FAQ 7.

What if I am operating my business as a sole proprietorship or partnership?
A:  The Georgia Law considers sole proprietors and partners to be employers not employees, just the opposite of corporations. However, they can elect to be covered as an employee by advising their insurance carrier in writing.

FAQ 8.

How can I learn more about the law regarding Workers' Compensation in Georgia?
A:  Consider purchasing Georgia Workers' Compensation Laws, Rules and Regulations Annotated. This book can be ordered from Lexis-Nexis. For details, you may call them at 1-800-833-9844.

FAQ 9.

Who can I talk to at the State Board of Workers’ Compensation about insurance?
A:  Call either Carol Griffin, 404-651-7839 or Kathy Oliver 404-656-4893.

FAQ 10.

How can I contact the Georgia Workers' Compensation Assigned Risk Plan?
A:  The Georgia Workers' Compensation Assigned Risk Plan is administered by the National Council on Compensation Insurance (NCCI).
Their toll-free telephone number is 1-800-622-4123. Their web site is www.ncci.com.

FAQ 11.

Can I purchase insurance from you?
A:  No.  The Georgia State Board of Workers’ Compensation does not sell workers’ compensation insurance.  You can contact an insurance agent/broker, at the Independent Insurance Agents Association (at 770/458-0093) or you can contact NCCI, (at 1-800-622-4123), for the assigned risk pool.

Business Liability Insurance

We understand that your insurance needs are unique to your business. Based on the business liability insurance requirements for your company, we can work with you to determine the right type of general business liability insurance coverage for every stage of your business.

We offer coverage for:

• Professional liability insurance
• Products and completed operations
• Fire legal liability
• Medical payments
• Premises liability
• Employer’s liability insurance, employee benefits liability and employment-related practices liability

Business Property Insurance

First Benefits provides business property insurance to protect your business from a minor hiccup to a major financial loss. Whether you own your building, lease your workspace or work at home, we will protect your business’ physical assets. When disaster strikes your business, First Benefits works with many major Carriers to provide the commercial property insurance for:

• A fire could destroy your building and the contents inside
• A burst water pipe could damage your documents, drawings or other valuable papers
• A storm could damage your outdoor sign

That’s why business property insurance is one of the most important investments ensuring the future of your business. Our Carriers even have you covered if you have commercial or rental building property to protect:  

• Your building
• Your outdoor sign
• Your furniture and equipment
• Your inventory
• Your fence and landscaping
• Others’ property

First Benefitsunderstands that your business is unique and constantly changing. We can tailor our commercial property insurance policy to fit your needs. Contact us today!