Small businesses in Georgia often buy these types of business 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.
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.
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.
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.
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.
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.
Umbrella insurance boosts coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance when the underlying policy reaches its limit.
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.
Hear from customers like you who purchased small business insurance.
State laws can affect which business insurance coverage you need. These policies are required everywhere in the Peach State, 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 disability benefits to injured Georgia workers.
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:
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.
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Commercial insurance can be affordable for small business owners. Average costs in Georgia are:
General liability: $40 per month
Workers' comp: $42 per month
Professional liability/E&O: $59 per month
Factors that influence business insurance costs include:
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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.
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.
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.
