State insurance guide
Georgia Business Insurance Guide 2026
Georgia employers that regularly employ three or more people, counting regular part-time workers and corporate officers or LLC members, must provide workers' compensation insurance. Auto liability minimums and paid leave rules follow, each with its official source.
Explore Georgia requirements
Open the state requirements checklistGeorgia employers that regularly employ three or more people, counting regular part-time workers and corporate officers or LLC members, must provide workers' compensation insurance (Georgia State Board of Workers' Compensation: Workers' Compensation Insurance FAQs). Auto liability coverage must be at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage (Georgia Office of Insurance and Safety Fire Commissioner, Auto insurance). NCSL's table lists no state paid family leave or temporary disability program for Georgia (NCSL).
The sources were checked on October 3, 2026. For a ruling on your own situation, ask the agency linked in each section.
Shopping for business insurance in Georgia? Request coverage help
Workers' compensation
Who must carry it: 3 or more regular employees, including officers and LLC members (Georgia State Board of Workers' Compensation: Workers' Compensation Insurance FAQs).
If you regularly employ three or more persons in your Georgia business, you are required to provide the benefits.
Source: Georgia State Board of Workers' Compensation: Workers' Compensation Insurance FAQs
Exemptions and exclusions
The board's manual lists railroad workers, farm laborers, real estate salespersons and domestic workers as exceptions under O.C.G.A. § 34-9-2 (Georgia SBWC Supervisors Manual). Up to five officers or members may waive their own coverage on form WC-10, but those waivers do not reduce the employee count, and sole proprietors and partners are treated as employers rather than employees, though they may elect coverage (Georgia SBWC insurance FAQs).
The agency to ask is the Georgia State Board of Workers' Compensation. Pricing is separate from the legal rule: the workers' comp calculator multiplies the payroll, rate and modifier you enter, and the workers' compensation guide explains the coverage.
Auto liability minimums
Georgia sets these minimum auto liability limits:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Start date: not stated in the source; confirmed in force on October 3, 2026
- Source: Georgia Office of Insurance and Safety Fire Commissioner, Auto insurance
Commercial and for-hire vehicles can face different or higher federal or state requirements. Our commercial auto guide covers owned, hired and non-owned vehicles.
Paid leave and disability insurance
Georgia has no state paid family and medical leave insurance program and no state temporary disability insurance program for private employers, based on NCSL's table, last updated November 7, 2025 (NCSL: state family and medical leave laws), and a cross-check on October 3, 2026 with the U.S. Department of Labor Women's Bureau.
Compilations can lag new laws, as Virginia's 2026 program shows (Code of Virginia § 60.2-801). Before planning Georgia payroll for a future year, confirm the position with the state agency that handles labor and workforce matters.
Other requirements to check
In Georgia, licenses, leases and client contracts can add their own insurance or bond conditions, such as minimum general liability limits; track each one with the certificate of insurance checklist and compare states in the requirements-by-state guide.
Where to verify
- Workers' compensation: Georgia State Board of Workers' Compensation
- Auto liability minimums: Georgia Office of Insurance and Safety Fire Commissioner, Auto insurance
- Paid leave and disability insurance: NCSL state family and medical leave laws and the U.S. Department of Labor Women's Bureau
Our state requirements checklist turns your employee count and vehicle use into questions for those offices. To ask PolicyBenchmark for a follow-up about your Georgia business, request coverage help.
Frequently asked questions
How many employees trigger workers' compensation in Georgia?
Three. The count includes regular part-time employees and, for a corporation or LLC, its officers or members, even if some of them have waived their own coverage. The agency to ask is the Georgia State Board of Workers' Compensation.
Are Georgia's auto minimums enough for business vehicles?
Georgia's minimums are $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage (Georgia Office of Insurance and Safety Fire Commissioner, Auto insurance). Treat them as the minimum the law sets rather than a target; commercial and for-hire use can trigger different or higher federal or state requirements.
Does Georgia require employers to pay into a paid leave program?
No, according to NCSL's table, last updated November 7, 2025: Georgia has no state paid family and medical leave program and no state temporary disability insurance program. Confirm before planning a future payroll year.
About this article
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This content is for informational purposes only and does not constitute insurance advice. Always consult with a licensed insurance professional before making coverage decisions.