Find policies that match Georgia's requirements
Save money by comparing business insurance quotes from trusted providers.
Choose from the nation's best insurance providers
Get the right commercial insurance for your Georgia business
Learn about Georgia's business requirements
Explore resources and expert policy recommendations
Complete one application to compare multiple quotes
Which insurance policies are recommended for Georgia businesses?
Small businesses in Georgia often buy these types of business insurance.
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.
BEST FOR
- Customer injuries at your business
- Damaged customer property
- Libel and other advertising injuries
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.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from 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 vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
Business owner’s policy
A BOP bundles business property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a Georgia business.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Damaged business property
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.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Errors and omissions insurance
E&O, sometimes called professional liability insurance, is common with professional services in Georgia. It can cover the cost of lawsuits related to your work performance.
BEST FOR
- Missed deadlines
- Accusations of negligence
- Errors and oversights
Cyber 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.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
Commercial umbrella insurance
Umbrella insurance boosts coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance when the underlying policy reaches its limit.
BEST FOR
- Customer lawsuits
- Auto accident lawsuits
- Employee injury lawsuits
Commercial property insurance
This policy covers the value of a business's physical structure and its contents, such as inventory, equipment, and furniture. Bundle it with general liability coverage in a BOP for savings.
BEST FOR
- Fire
- Theft and vandalism
- Weather damage
Looking for different coverage? See more policies.
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.
Which business insurance policies are required in Georgia?
State laws can affect which business insurance coverage you need. These policies are required everywhere in the Peach State, from Atlanta to Macon.
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 disability benefits to injured Georgia workers.
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 business liability insurance 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.
How much does small business insurance cost in GA?
Commercial insurance can be affordable for small business owners. Average costs in Georgia are:
General liability: $42 per month
Workers' comp: $49 per month
Professional liability/E&O: $67 per month
Factors that influence business insurance costs include:
- Your industry and risks
- Business operations
- Number of employees
- Insurance products purchased
- Policy limits and deductibles
How to get insurance for your Georgia business
View video transcript.
We're on top of your small and medium-sized business insurance needs. We'll help you find policies that protect what you've worked so hard to build. Start here.
Tell us about yourself. Questions? We've got your back. The info you share is secure. We'll double-check it and a pro with experience in your field will be in touch.
Fast? You can compare quotes from leading insurance providers in seconds and get a certificate of insurance the same day.
Always online, always on your side. Helping protect your business.
When you are ready to get insurance for your Georgia business, you can complete Insureon's easy online application to get quotes from top-rated insurance companies.
FAQs about Georgia business insurance
Review answers to frequently asked questions about Georgia insurance.
How do I get a certificate of insurance for my business?
Insureon's licensed agents can help you find policies that fulfill Georgia's requirements and protect against financial loss. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
Can my company be held liable for a data security breach?
Yes – that's why cyber insurance is so crucial. Hackers are three times more likely to target small businesses, as they often have fewer resources to combat a threat.
Georgia's data breach laws require businesses to report security breaches to affected residents, and the costs can escalate quickly. Cyber liability insurance lessens the financial impact by paying for notification costs, legal fees, and fines.
Does my industry affect state insurance requirements?
Yes, your state may have special requirements for business insurance and bonds for your industry.
Contractors often need to carry general liability insurance or surety bonds to perform certain types of work. Having the right insurance and bonds helps you comply with state licensing requirements.
Real estate agents and brokers and other professionals who offer advice or services sometimes need errors and omissions insurance, also called professional liability insurance, to get licensed in their state.
Note that cities and counties, like Atlanta, may have their own laws, in addition to state laws.
How can I save money on Georgia small business insurance?
As with any purchase, shopping around is one of the best ways to find an affordable option. With Insureon, you can compare quotes from top-rated insurance companies by filling out a free online application.
Other ways to save include bundling policies for a discount, and choosing less expensive policy options, such as lower limits or a higher deductible. Learn more about how to find cheap business insurance.