7 Reasons Why You Need Workers' Comp Insurance

In Georgia, the state law requires that a business with three or more employees needs to provide Workers' Compensation in the event of an injury. 

However, even if you have fewer than 3 employees, it is still recommended to get coverage. You can't predict when an on-the-job injury will happen, and not having protection could be setting yourself up for big trouble.

There are many reasons why every business owner should seriously consider buying worker's compensation insurance in Georgia.

Workers' comp insurance, a.k.a workman's comp, is a vital part of any business.


It protects you, your employees, and anyone who may be hurt on the job.

Here are 7 reasons why you need this type of insurance for your company.

Financial Protection

Workers' comp provides financial protection for yourself and your employees in the event that an accident or injury occurs on the job.

Medical Expenses

It helps to cover medical expenses and lost wages if an employee has to take time off work due to an injury or illness caused by their job.

Legal Protection

Having workers comp coverage can also help protect you against lawsuits from employees who may have been injured on the job or become ill as a result of their work.

Lower Premiums

It can also help to lower the costs of your business insurance premiums and protect your business from financial loss in the event that an employee is unable to work due to a workplace injury or illness.

Employee Support

Workers comp insurance can provide valuable support for employees and their families during difficult times, as well as ensure that they receive the care and treatment they need to quickly recover and return to work.

Employee Recruitment

Having this type of insurance coverage in place can help you recruit and retain talented employees, as they will likely feel more secure knowing that their job is protected in the event of an accident or injury at work.

Legal Requirement

Finally, it is a legal requirement for many businesses, so if you don't have workers comp coverage, you could face fines and other penalties from the state or government.


If you are a business owner, it is essential to consider getting workers comp insurance for the protection and security of yourself, your employees, and your company.

With all of the benefits that this type of insurance provides, it is well worth the investment for your business.

Contact us and let's talk about your business and where you stand with this protection.

Whether you are in Loganville, surrounding areas of Georgia, or even in Florida, Alabama, or South Carolina, Arrow can help you shoot straight with the right coverage and whether Worker's Comp is a necessity for you and your business.

As an independent insurance agency, we do that all day, every day.