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