Workers Compensation Coverage for Business Owners


Workers comp provides coverage to business owners and employees for work-related injuries that might occur from their occupation or employer negligence. It provides coverage for medical expenses, lost wages, rehabilitation and death benefits, should an employee pass away on the job.

Which Types of Businesses Need Workers Compensation Coverage

If your business has 3 or more employees, you are required to carry workers comp. Premiums are based on class codes and payroll. Class codes are based on the nature of work each employee performs. The class code reflects how the premium is generated. Each employee is rated specifically on the type of work they perform for the business.

Officers of a corporation or members of the LLC can exclude themselves from coverage. This would lower the premium because their payroll is not included. However, this excludes them from obtaining any coverage under the policy.

If you have additional questions about workers comp, give us a call! Our team would be happy to walk you through your business needs and make recommendations based on our industry knowledge.

Request More Information

Have a Question Or Need to Get A Quote? Email Us!

Years in Business

Clients Served

Years of Experience

Our Story

Mountain Lakes Insurance opened its doors in 2009. Owners Erwin Dykstra & Jeff Nevison were former agency owners with a captive carrier but had a calling to create their own brand of customer service and experience. Our vision is to be the most valued and respected insurance agency in our community by providing trustworthy advice, reliable service, professionalism and friendliness to everyone we meet.

Our incredible team of agents has over 79 years combined experience. We strive to go beyond the basics and engage with our clients on a personal level. We provide highly rated carriers that offer our clients competitive coverage protection and claims service.

After 10 years, we still strive above all else, to provide exceptional value through knowledge and transparency. We are committed to serving our clients, community, and team members with integrity and compassion.

Our dedication isn’t just to our clients. Woodstock is where we call home and we’re proud to be involved through the Cherokee Chamber, IN WDSTK, Woodstock Christian Business Network and our local churches. We are also members of Independent Insurance Agents of Georgia (I.I.A.G) and Trusted Choice.

"Great to deal with, always looking out for their customers, and will find you the insurance for your needs."

David L.

"Here is a company that is always looking out for the interests of others."

Douglas F.

"I have been with Mountain Lakes Insurance going on 3 years now and they are great! Great customer service and best deal I could find for insurance! Look no further!"

Bethany D.

Join Us

Our Clients Are Like Family

We aren’t just your insurance agent, we’re your neighbor, friend, and supporter. Our dedication goes beyond a policy, we want to assist you personally and professionally in any way we can. Everyone’s story is different, and we want to know yours.