Georgia Workers' Comp Insurance for Medical & Dental Offices

Georgia requires coverage once a business regularly employs three or more people, full-time or regular part-time, including seasonal workers hired on a recurring basis. Businesses with fewer than three regular employees are generally exempt unless they choose coverage voluntarily. See the State Board of Workers' Compensation's insurance FAQs.

Common codes for this work include 8832 Physician Office; 8810 Clerical Office Employees; 8871 Clerical Telecommuter Employees. Georgia uses NCCI class codes, so the codes below are the ones carriers typically assign to this work in Georgia.

Corporate officers and LLC members are counted as employees by default, but up to five officers or members may waive coverage on themselves by filing Form WC-10 with their carrier; that waiver does not reduce the headcount used for the three-employee threshold. Sole proprietors and partners are treated as employers rather than employees under Georgia law, so they aren't automatically covered, but they can elect to be covered by advising their insurance carrier in writing.

Intentionally failing to purchase required coverage can bring civil penalties of $500 to $5,000 per violation, and an employer who deliberately fails to provide mandated coverage can also face misdemeanor criminal charges, with fines of $1,000 to $10,000, up to one year in prison, or both. Separate penalties of $100 to $1,000 per violation apply to deliberately skipping required filings, and $1,000 to $10,000 per violation (plus a possible 10% increase in the worker's compensation) applies to deliberately denying benefits or making false statements. The State Board of Workers' Compensation assesses each violation individually within these ranges.

Price is driven by payroll in each class code, the Georgia rates filed for those codes, your claims history (experience modification), and underwriting factors such as split between clinical staff and clerical/administrative staff; whether the practice has a genuinely separated administrative office; sharps-handling and bloodborne-pathogen exposure control practices. We compare carriers so you can see what you qualify for.

Complete one application and we compare up to 10 carriers in minutes, with the option to purchase online. A Live Certificate is included with your coverage, so proof of coverage is always live and shareable by text or email in seconds.

Usually yes, under the physician-office classification, since most practices don't physically separate administrative work enough to qualify for a lower clerical rate — though a genuinely separate billing office may be able to report payroll under a standard clerical exception.

In the absence of a dedicated dental classification, dental offices are generally rated under the same physician-office code that covers outpatient clinical and clerical staff together.

Workers' comp covers injuries to the practice's own employees; malpractice or professional liability covers claims from patients over the care provided. They're separate policies that address different risks and are typically carried alongside each other.

Coverage is required once a business regularly employs three or more people, full-time or regular part-time, including recurring seasonal workers.

Yes, up to five officers or LLC members can waive coverage by filing Form WC-10 with the carrier, though this waiver doesn't reduce the headcount used to determine whether the business meets the three-employee threshold.