Business Insurance Requirements for Lawyers in Georgia

From Athens’ thriving art scene to the bustle of Atlanta and beyond, Georgia's varied scenery offers lawyers a wide range of clients and specializations. Lawyers seeking to secure their business will find a wide range of insurance options to match the scope of doing business in Georgia.

When choosing a business insurance policy, first evaluate your individual business risk and the key factors that make up your practice. Will your business move into a commercial space? Most rental agreements require proof of commercial property insurance and/or general liability insurance. You may also be asked by potential clients to show proof of professional liability insurance. Also known as errors and omissions or lawyer malpractice insurance, this policy can help with legal costs due to a lawsuit resulting from a business discrepancy. Professional liability insurance is not required for lawyers in Georgia, but state law does require all small businesses with three or more workers to carry workers’ compensation insurance. Legal practices are often tasked with storing sensitive client data, making cyber liability insurance a key policy to consider. In the event of a data breach or other cyberattack, this policy can potentially assist with recovery costs.

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 lawyers in Georgia, and start an application to get your free quotes today.

Find the right insurance policy for your law firm

The most common policies for lawyers in Georgia 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 type.


Business type General liability / BOP Professional liability Workers' comp Cyber liability
1099 or independent contractor X X   X
Business owner with employees X X X X
Solo business owner X X   X


General liability insurance: General liability insurance is the foundation of an attorney’s business protection. Coverage 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 malpractice insurance, can help cover legal expenses if you’re sued for unsatisfactory work or a business discrepancy.

Cyber liability insurance: Cyber liability insurance can helps lawyers survive data breaches and cyberattacks by helping pay for related expenses. You may need this policy if you handle sensitive data such as credit card numbers, passwords, or Social Security numbers.

Business owner's policy (BOP): Lawyers 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 employers with three or more employees to have workers’ compensation coverage. 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 aren’t required by state law to cover themselves under a workers’ comp policy, but they have the option to do so. While lawyers are less likely than other professionals to sustain on-the-job injuries, accidents can still happen. Areas of law dealing with highly emotional clients, such as criminal and family law, have a higher risk of exposure to reactive violence. However, costly injuries resulting from transportation incidents or contact with equipment can occur in any area of practice.

Business insurance costs for lawyers in Georgia

Georgia’s relatively low cost of living and doing business extends to its insurance costs for lawyers, which are significantly lower than the national median, according to an analysis of Insureon applications. For errors and omissions coverage, median costs are almost halved in Georgia compared to the national rate. This coverage is typically the most costly for lawyers in the nation, given the high level of risk in the industry. In all, Georgia lawyers can expect to spend around $285 per month to secure their business.

Median Insurance Costs for Georgia Lawyers

Save time and money with Insureon

Insureon’s industry-leading technology helps lawyers 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 lawyer insurance quotes today.