Business Insurance in Georgia

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Get small business insurance for your Georgia business

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Learn about Georgia's insurance requirements

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Recommended insurance policies for small businesses in Georgia

General liability insurance icon

General liability insurance

A general liability policy is important for all Georgia businesses. It covers common third-party risks, including customer injuries. Most commercial leases require this coverage.

  • Customer injuries at your business
  • Damaged customer property
  • Libel and other advertising injuries
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), is crucial for businesses that provide professional services or expert advice. It covers lawsuits over mistakes and oversights.

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

Cyber liability insurance

This policy protects against financial losses caused by data breaches and cyberattacks. It's important for Georgia businesses that handle credit cards and other sensitive information.

  • Customer notification costs
  • Fraud monitoring services
  • Cyber extortion payments
Business owner’s policy icon

Business owner’s policy

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

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

Workers’ compensation insurance

Workers’ comp insurance is required for Georgia businesses that have three or more employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Legal fees from 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.

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

Georgia business insurance requirements

State laws can affect which business insurance coverage you need. These policies are required everywhere in Georgia, from Atlanta to Macon.

Blue check mark

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, including part-time employees and seasonal workers.

Workers' comp covers medical bills for work-related injuries and illnesses. It also provides part of the wages lost while the employee is recovering and unable to work.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Georgia must be covered by commercial auto insurance. This policy covers the cost of work vehicle accidents.

Georgia's minimum requirements for auto liability insurance: are

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage per accident

Trucking companies may need additional coverage to comply with regulations.

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

How much does small business insurance cost?

Business woman calculating costs of insurance.

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

  • Your industry and risk
  • Business operations
  • Number of employees
  • Types of business insurance policies
  • Policy limits and deductibles
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that fulfill Georgia's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

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 Office of Insurance License Inquiry Service by selecting agency, then entering our Georgia state license number, 154355, into the field for license number.

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