Workers’ Comp & Liability Tips for Small Employers

In Georgia, most businesses with three or more employees, including seasonal and part-time workers, are required to carry workers’ compensation insurance. This coverage helps financially protect your business if an employee is injured on the job by helping cover medical expenses and lost wages. Even if you have seasonal staff that only work for a few weeks, they may still count toward your employee total and trigger this requirement.

Consider the following tips:

• Count all employees, including temporary and part-time, when determining if you need coverage.
• Ensure your workers’ comp policy is up to date before hiring additional staff.
• Clearly communicate safety procedures and job expectations to new hires to help prevent workplace injuries.

Liability Insurance Considerations

While workers’ comp can help cover employee injuries, it doesn’t help with exposure to customer liability risks, such as third-party injuries or property damage. General liability insurance can help financially protect your business from these types of claims. Review your policy limits and discuss any changes in operations with your insurance advisor to ensure you have adequate protection.

Best Practices for Onboarding Seasonal Employees

• To minimize risk and support a smooth season, consider these onboarding tips:
• Provide thorough training on workplace safety and company policies.
• Document all hiring and training processes.
• Verify that all employees are properly classified and reported to your insurance carrier.
• Encourage open communication so staff feel comfortable reporting hazards or incidents.

How We Can Help

Top Insurance LLC is here to review your current coverage, answer your questions, and help you implement best practices. Contact us today to discuss your workers’ compensation and liability insurance needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.