Workers' compensation insurance is required of all employers who have more than three employees in the state of Georgia with limited exceptions. The first group of people who are not covered under workers' compensation are employees of businesses who do not have three workers. In some instances, the business will be small, and there will only be two employees. Other times, the business may appear to have many employees, who are actually classified as independent contractors. Remember, just because you are labeled by the employer as an independent contractor does not mean that under the eyes of the law you are not actually an employee. A second class of people who do not fall under the workers' compensation statute are farm workers. In 1990, the state legislature of Georgia excluded farm laborers from the act. This does not just include farmers, but potentially people who also work on farms doing other jobs. It should be noted that farm workers can be protected by workers' compensation if their employer provides coverage for them, they just are not required to. Prisoners are also not entitled to workers' compensation if they were injured on the job. This holds true even if they are required to do the job as part of their incarceration, and even if they were paid for the job. Prisoners who are living in halfway houses as part of their incarceration/probation all fall under this exception to workers' compensation. A fourth group of people who have a different policy then regular workers' compensation are truck drivers. Many truck drivers, but definitely not all, have a separate policy called an occupational accident policy. This policy is very similar to workers' compensation and it is best to call the attorneys at Gerber & Holder if you have any questions about who is covered by workers' compensation.