Maximizing Discounts On Your Workers Compensation In Georgia

Review Your Workers Comp Options

Are You Receiving All Of The Discounts Available For Your Workers Compensation? Chances Are, You're Probably Not.

If you own a business and have workers compensation insurance in Georgia, chances are you have no idea that you can qualify for discounts on your workers comp insurance. Why? Because most agents, let alone business owners, even know they exist. This is why it is so important to work with a workers comp expert on your company's workers compensation insurance. 

Workers Compensation Discounts

The first step to making sure you're receiving all of the discounts that you're eligible for is to work with a workers compensation specialist. Insurance agents and agencies that aren't experienced in worker's compensation are often unaware of these programs and options and, as a result, your business ends up paying way more than you need to. Some of the discounts and credits available are:

• Safe Workplace- A discount you can receive for producing a written safety manual and show that your employees are regularly trained on safety procedures

 

• Return To Work Program- A discount you can receive for showing a written Return To Work program that has been implemented by your company. 

 

• Drug-Free Workplace- A discount you can receive for having a written drug testing policy and procedure.

 

• Individual Risk Premium Modification- IRPM credits are unique to each individual carrier. They are applied at the discretion of the company or underwriter based on the company's history, leadership, safety, procedures, etc. This is something that is often negotiated by your workers compensation agent, so it's a good idea to have an agent that knows what they're doing.

 

• 2nd Level Class Codes- This is a rating credit that certain companies can apply to specific employees that can often give them a more favorable rating in calculating your rate. Another great reason to make sure you're working with a workers comp expert.

Take a look at your current policy. Do you see any of these discounts on there? Have you discussed anything like this with your agent? Chances are, the answer to both is "no" and there's an even greater chance that you're overpaying for your worker's compensation insurance.

So What Can You Do?

You can get with an agency that specializes in workers compensation. Give us a call at the Roberts Insurance Group at 678-250-8133 or click below and we will review your policy and let you know some options for saving on your premium and increasing your bottom line.

Get A Workers Comp Quote