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Business Insurance in Georgia
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Required insurance policies for small businesses in Georgia
State laws can affect which business liability insurance policies you need for your small business. These policies are required in Georgia.
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.
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
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
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
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
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
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
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?
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
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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