Workers’ Compensation

As Georgia small business owners, dentists must carry a Workers Compensation policy for their staff. The chances of an injury or illness occurring in a dental office are not as great as in some professions, so this coverage is reasonable. Let GDIS protect you, your practice, and your staff.

Get a Quote on the Coverage

For an analysis of your current coverage, and free quote, call GDIS at (800) 432-4357 or (404) 636-7553, or email mucha@gadental.org.

Why Do I Need Workers' Comp?

Accidents happen. In a dental office it can be a fall, or a slip, or a needle stick. It may not seem like a big deal, but the consequences of such an accident can be significant.

Employers in Georgia are required to maintain workers' comp insurance if they have three or more employees. It does not matter if the employees are full or part time. If the employer is incorporated, they have to count themselves as an employee.

As small business owners, dentists are responsible for carrying a workers' comp policy for their staff. The chances of an injury or illness occurring in a dental office are not as great as in some professions, so the cost of this coverage is relatively inexpensive. In addition to the medical and disability benefits provided to workers for any accident or illness originating at the workplace or in the course of performing job related functions, workers' comp provides a layer of protection for any liability against the employer. Failing to repair a broken fixture or autoclave, or failing to act in a timely manner can result in a liability if an accident occurs and an employee is injured.

Failing to carry adequate coverage as required by law can have two devastating effects. First, failure to acquire the workers' comp coverage does not eliminate the exposure of a liability suit from an employee. If such a suit is filed and lost, the costs will come out of the employers own assets instead of from an insurance policy. The employer is also responsible for any medical bills or disability claims arising from an incident.

Second, Georgia does audit dentists. The state has a responsibility to make sure workers are covered and they take that responsibility very seriously. The state has always audited employers and has levied fines which can range from $500 to $5,000.