Business Insurance in Georgia

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What are the requirements for small business insurance in Georgia?

State laws can affect which insurance policies you need for your small business. These policies are required for Georgia businesses.
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Workers' compensation insurance

Georgia requires any business that regularly employs three or more people to have workers’ compensation insurance. “Regular” refers to any person who works for a business on a regular basis, even if it is part-time. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in Georgia must be covered by commercial auto insurance. Georgia requires minimum coverage of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Recommended insurance policies for small businesses in Georgia

General liability insurance icon

General liability insurance

This policy is important for all Georgia businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.

BEST FOR
  • Customer injuries at your business
  • Damaged customer property
  • Libel or slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.

BEST FOR
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy helps Georgia businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a Georgia business.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required for Georgia businesses that have three or more employees. It can cover medical costs for work injuries and illnesses.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in Georgia. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

BEST FOR
  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Find policies for your profession

Photographers, nurses, and lawyers need different insurance coverage. Insureon offers policies for the following Georgia professions and more:

Don't see your profession listed? Find more professions.

How much does small business insurance cost?

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Commercial insurance can be affordable for a small Georgia business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in Georgia business insurance

In Georgia, insurance agents, agencies, and brokers are licensed by the Georgia Office of Insurance. Insureon is licensed in Georgia as BIN Insurance Holdings, LLC. You can verify our licensure using the Georgia Office of Insurance Agency Search by entering our Georgia state license number, 154355, into the field for agency license or by searching for “BIN INS HOLDINGS LLC” under agency name.

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