Business Insurance Requirements for Nurses in Georgia

Georgia consistently ranks as one of the best states to do business in the nation. From its temperate climate to its business-friendly policies, there’s a lot of opportunity for nurses in the Peach State. Whether you’re starting a nurse practitioner’s office in Savannah or looking to become a freelance home care assistant in Athens, insurance is a necessity for your nursing business. Consider your individual risk and business factors when determining the right business insurance to secure your practice. Does your company plan on leasing a commercial space? Most lease agreements mandate proof of commercial property insurance and/or general liability insurance. Georgia state law requires small businesses with three or more workers to carry workers’ compensation insurance. Professional liability insurance, also called malpractice insurance or errors and omissions insurance, can help cover expenses in the event of a lawsuit due to a business discrepancy, such as a misdiagnosis. This policy is not required by Georgia state law, but it is considered critically important by the American Nurses Association.

Insureon makes shopping for insurance easy with industry-leading technology that gathers quotes from top U.S. carriers that fit your needs. Read more to find out which policies are most common for nurses in Georgia, and start an application to get your free quotes today.

Find the right insurance policy for your nursing business

The most common policies for Georgia nurses vary depending on a number of factors, including revenue, client contracts, and partnerships. The table below illustrates which policies might work best for your business size.


Business type General liability Professional liability / errors and omissions (malpractice insurance) Workers' comp
Independent contractor X X  
Nurse practitioner with no employees X X  
Nurse practitioner with at least one employee X X X
Owner of a traveling nurse agency X X X


General liability insurance: General liability insurance is the foundation of a nurse’s business protection with coverage that extends to bodily injury, client property damage, advertising injury, and the cost of legal defense. Most commercial leases require you to have this coverage.

Professional liability insurance: Many clients require proof of professional liability insurance before entering contracts for professional services. This policy, also called errors and omissions insurance or nurse malpractice insurance, can help cover legal expenses if you’re sued for unsatisfactory work from a business discrepancy, such as a misdiagnosis.

Business owner's policy (BOP): Nurses sometimes qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability at an affordable rate.

Georgia workers' compensation: Georgia state law requires workers’ compensation coverage for small businesses that employ three or more workers. If an employee is injured on the job, workers’ comp can help pay for medical fees and lost wages. Independent contractors or solo business owners are not legally required to cover themselves under a workers’ compensation policy, but they may elect to do so. Nursing is a strenuous profession, which lends itself to a high risk of workplace injury, as shown in the data below from the Bureau of Labor Statistics. Nurses are at particular risk of injuries resulting from overexertion and from falls, slips, and trips.

Most Common Workplace Injuries: Nurses in the U.S.

Business insurance costs for nurses in Georgia

Nurses in Georgia can expect their business insurance costs to trend about the same as the national median, according to an analysis of applications from Insureon. One bright note for nurses in Georgia is the relatively low cost of errors and omissions coverage. This policy is typically one of the most costly for nurses in the United States, due to the higher level of exposure compared to other professions. While not required by law, an errors and omissions policy is considered a critical area of coverage by the American Nurses Association. Workers’ compensation trends higher in Georgia than the national median; again, this coverage is only required for businesses that employ three or more workers.

Median Insurance Costs for Georgia Nurses

Save time and money with Insureon

Insureon’s industry-leading technology helps nurses in Georgia save time and money shopping for insurance by comparing policies from dozens of top U.S. carriers. Simply apply online and review quotes for the policies that best fit your business needs. Our insurance specialists are licensed in Georgia and can answer your questions as you consider coverage.

To make the application go even 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 nurse insurance quotes today.