Every employer in Georgia is required to carry workers' compensation coverage (insurance) if they have at least three employees. If the business is a husband-wife team, they are not required. If the business is just two people, they aren't required. But if three or more people are employed at the business, the business must have coverage. Some employers chose not to follow the law, however and many are operating in Georgia without proper coverage. If you find yourself injured while on the job and discover your employer does not have workers' comp insurance, it doesn't necessarily mean you are out of luck to receive some type of benefit. The first thing you must do is report your injury to your employer. They may tell you they don't have coverage, but just because they tell you they don't have it doesn't mean they truly don't. Sometimes employers don't want workers to report an injury for fear their premiums will go up, or they may have a different name that they are legally operating under and that entity has coverage. You can read more about this type of situation here, or simply reach out and schedule a visit with a Gerber-Holder Law attorney today – we can do some digging and find out what's available to you.