Georgia is an NCCI loss-cost state, and the State Board of Workers’ Compensation posts the advisory loss cost tables publicly. Loss costs cover expected claims only; carriers apply filed multipliers on top, so treat the table as the market’s anchor rather than your final price.

The current rate environment in Georgia

NCCI has filed a proposed 8.8% decrease to voluntary loss costs (9.3% assigned risk) effective March 1, 2026 — pending approval by the Insurance Commissioner. The values below are the current published tables effective March 1, 2025; if the filing is approved, expect roughly comparable classes to fall further.

Georgia rates by class code (advisory loss costs effective March 1, 2025)

These advisory loss costs are published by the Georgia State Board of Workers’ Compensation. They exclude carrier expense provisions — each insurer applies its own loss cost multiplier to produce rates.

Class Code	Classification	Advisory loss cost per $100 payroll
8810	Clerical office	$0.06
8832	Physician office & clerical	$0.14
9586	Barber shop / beauty parlor	$0.25
9082	Restaurant NOC	$0.70
8017	Retail store NOC	$0.83
8380	Automobile service or repair	$1.18
9014	Janitorial services	$1.82
0042	Landscape gardening	$3.17
5645	Carpentry — residential	$16.48

Source: Georgia State Board of Workers’ Compensation, effective March 1, 2025 (an 8.8% decrease is filed for March 1, 2026, pending approval). Advisory loss costs, not final rates — carrier multipliers, experience mods, and credits determine your premium.

What determines your Georgia premium

• Class codes — every job type carries its own rate; misclassification is the most common cause of overpayment
• Payroll — premium is calculated per $100 of payroll, by class
• Experience mod — your claims history versus similar businesses scales the whole premium up or down
• Carrier pricing — carriers file multipliers over the published loss costs; with a large decrease filed for 2026, renewal timing and carrier repricing speed both matter
• Credits and programs — safety programs, dividend plans, and pay-as-you-go options move the net cost

How to get the best rate in Georgia

The rate tables are only the starting point: the carrier you land with, the accuracy of your class codes, and how your payroll is reported decide what you actually pay. We quote Georgia businesses across a dozen A-rated markets and show you the comparison — including pay-as-you-go billing that matches premium to actual payroll. See our Georgia workers’ comp guide and Georgia forms & resources for the rest of the picture.

Georgia rate FAQs

Where can I see official Georgia workers’ comp loss costs?

The State Board of Workers’ Compensation publishes the NCCI advisory loss cost tables publicly on sbwc.georgia.gov — the current edition is effective March 1, 2025, with an 8.8% decrease filed for March 1, 2026.

What is the Georgia loss cost for restaurants?

Restaurant NOC (class 9082) carries a published advisory loss cost of $0.70 per $100 of payroll (effective 3/1/2025). Your actual rate applies a carrier multiplier, your experience mod, and any credits.

How many employees require workers’ comp in Georgia?

Any business with three or more workers — including regular part-time workers — must carry coverage. We confirm your count and class codes as part of every Georgia quote.