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Accountant insurance in Georgia

Learn about business insurance requirements and the most common policies for accountants in Georgia.

Which insurance policies are required for accountants in Georgia?

If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by accountants in Georgia, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.

Your clients may require professional liability insurance in a contract. Also called errors and omissions insurance, professional liability insurance provides financial protection if a client files a lawsuit claiming your work caused financial harm because it was late, erroneous, or incomplete.

State law in Georgia requires every small business with three or more employees to provide workers’ compensation insurance, which covers medical bills for work injuries.

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What are the most common insurance policies for a Georgia accountant?

The most common policies for accountants in Georgia vary depending on revenue, client contracts, partnerships, and other factors.

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General liability insurance

General liability insurance is the foundation of an accountant’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.

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Professional liability insurance

Many clients require proof of professional liability insurance before entering into contracts for professional services. This policy, also called errors and omissions insurance or accountant liability insurance, can help cover legal expenses if you’re sued for unsatisfactory performance or a work mistake.

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Cyber liability insurance

Cyber liability insurance can help accountants survive data breaches and cyberattacks. Many professional liability policies include this coverage, but check with your licensed Insureon agent to make sure.

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Georgia workers' compensation

If you own an accounting business in Georgia that has three or more employees, you are required to carry workers’ compensation coverage. Employees include minors, part-time staff, independent contractors, and full-time employees. If an employee is injured on the job, workers’ comp can help pay for medical fees and lost wages.

What do accountants in Georgia pay for insurance?

According to an analysis of Insureon applications, the typical accountant in Georgia can expect to pay more than the national median for some policies, and less for others.

For example, Georgia accountants pay a median premium of $1,111 annually for general liability insurance, almost twice the national median. However, they pay a median premium of only $742 annually for professional liability insurance, significantly less than the national median rate of $1,220.

Median insurance costs for Georgia accountants.

Save time and money with Insureon

Insureon’s industry-leading technology helps accountants in Georgia save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Georgia and can answer your questions as you consider coverage.

To make the application go quicker, have this information ready:

  • Workforce details, such as the number and types of employees
  • Current and projected revenue
  • Business partnerships
  • Insurance history and prior claims
  • Commercial lease insurance requirements

Apply for free accountant insurance quotes today.

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