Save Money On Georgia Workers Compensation Insurance

April 30th, 2009 by eking

If you pay for Georgia Workers Compensation Insurance, then you need to pay close attention here.

It’s time to re-evaluate your finances. One way you could save money is by paying less in  Georgia Workers Compensation insurance. Since this is an expense that the employer bears alone, without employee contribution, it can get expensive. Many times, especially if you have recently downsized or reorganized your Atlanta business, employers are over-charged for Workers Comp.

If you want to get a good deal on Workers Compensation coverage in Georgia you need to compare Atlanta Insurance Companies or work with an agency that can help find you the best rate. Remember, calculating exact premiums is not a totally cut-and-dry process, and quotes may differ substantially.

Also, your Atlanta Human Resources Team should conduct routine HR audits to ensure that your employees are classified correctly. You may be paying more than necessary if your business is not charged the correct amount for each employee. It is very important to look into the situation or have professional evaluation if your Worker’s Compensation rates go up unexpectedly.

It’s helpful to categorize your employees. You should secure full coverage for high-risk workers. But other workers, such as office administrative staff, could probably be covered by an insurance policy that takes only basic medical costs into consideration.

Be aware of potential fraudulent claims. Workers Compensation fraud means someone actually made up the claim or perhaps exaggerated the claim. This includes workers who have had a legitimate accident but prolong getting benefits by exaggerating their symptoms to the doctor or continue to collect disability benefits while working elsewhere. In cases of suspected fraud, work closely with the claim staff to ensure proper investigation is completed.

Don’t forget to ask for discounts from your Georgia Insurance Company. If your company has not filed a claim in over three or four years, you may be considered low risk and that translates into savings for you.

Finally, if you want to keep premiums down, avoid claims. Providing a healthy and safe environment for your employees is the best and only way to keep your record clean, and prevent claims against your policy.

Why not pick up the phone now and call us to see how we can help you to save on Atlanta Ga workers comp insurance.

 

Proudly providing affordabke Georgia workmans Compensation insurance through out Atlanta Including: Duluth, Tucker, Lilburn, Lawrenceville, Buford, Norcross, Braselton, Gwinnett county, Decatur,Dekalb county, Stone Mountain, Lithonia, Conyers, Forrest Park, Jonesboro,Douglasville, Villa Rica, Austell, Hiram, Powder Springs, Lithia Springs, Smyrna, Marrietta, Vinings, Dunwoody, Roswell, Atlanta, and Cobb county Ga

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