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.
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.
This policy is important for all Georgia businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
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.
This policy helps Georgia businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
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.
Workers’ compensation insurance is required for Georgia businesses that have three or more employees. It can cover medical costs for work injuries and illnesses.
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.
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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.