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Business Insurance in Georgia

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Learn about Georgia's insurance requirements

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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

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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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