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Yes, though the state provides an exemption if you only have a couple of employees you should carry it because you remain liable and would have to pay out of pocket if there's a claim - and by having Workers' Compensation coverage you prevent your workers from suing you in most cases. Exercise the exemption if you choose to take it according to the law - contact your state for instructions, don't just fail to carry coverage.

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Q: Do I need Workman's Insurance if I am Incorporated in Georgia?
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Workers compensation insurance is nothing more than "workers compensation insurance". Your question is similar to asking what type of auto liability insurance does a person who drives a car need. There is not "type of workmans com" insurance. Just ask your local insurance agent to help you obtain workers compensation insurance and he will give you a quote.

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