Workers’ Compensation Coverage That Has Your Team’s Back

Support for injured employees. Protection for your business.

Our workers’ comp programs help you care for your people and stay compliant—without overpaying or overcomplicating the process.

A woman is giving a presentation to a group of construction workers in a classroom.

Coverage You Can Rely On

Injuries can happen, even in the safest workplaces. Workers’ compensation provides vital support for employees while protecting your business from lawsuits, penalties, and prolonged claims. At Mallory Agency, we help you manage the process, minimize risk, and reduce costs over time.

What Does Workers’ Comp Insurance Cover?

A doctor is examining a patient 's back while wearing a mask.

Medical Expenses

Covers doctor visits, hospital stays, surgery, and rehabilitation.

A nurse is bandaging a patient 's wrist in a hospital.

Lost Wages

Replaces a portion of employee income while they recover.

A man in a wheelchair is holding the wheel.

Disability Benefits

Pays out in the event of partial or total disability.

A woman is holding a white rose in front of a grave.

Death Benefits

Provides financial assistance to an employee’s family if the injury is fatal.

A doctor is examining a patient 's knee in a hospital.

Employer Liability

Protects your business from lawsuits related to workplace injuries.

Request a Policy Review

Who Needs Workers’ Compensation?

Most states—including Georgia and Alabama—require coverage if you have a certain number of employees. But smart businesses carry it regardless of size.

A black check mark on a white background.
Construction & field service companies
A black check mark on a white background.
Restaurants, retailers, and hospitality
A black check mark on a white background.
Medical and care facilities
A black check mark on a white background.
Office-based businesses with physical risks

What Sets Mallory Apart

Claims Advocacy

We help you manage claims with your carrier—from first report to resolution.

Return-to-Work Strategies

We’ll work with you to reduce downtime and support your employees’ recovery.

Policy Optimization

We’ll help make sure your class codes, audits, and modifiers are accurate—so you’re not overpaying.

Integrated Risk Services

Combine your workers’ comp with loss control and open claims reviews for proactive results.

A man wearing a hard hat and a mask is holding a clipboard.

Common Questions About Workers’ Compensation Insurance

  • Is workers’ comp required in Georgia and Alabama?

    Yes—both states mandate coverage once your business hits specific employee thresholds.

  • Can I include owners or officers in coverage?

    Yes, and we’ll help you decide whether to include or exclude them based on your risk profile.

  • Will my rate increase after a claim?

    Not always. We help manage claims to reduce long-term cost impacts.

  • Can I bundle this with other coverage?

    Absolutely. It often pairs well with general liability and property coverage.

Let’s Build a Smarter Workers’ Comp Program

From compliance to care, we’ll help you deliver the coverage your team counts on.