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Small Business Insurance in Georgia

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Recommended insurance policies for small businesses in Georgia

These insurance policies defend Georgia small business owners against common lawsuits and other top risks.

General liability insurance

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A commercial general liability policy covers common third-party risks for small businesses in Georgia, including customer property damage and injuries. Commercial leases often require this policy.

BEST FOR
  • Customer injuries at your company
  • Damaged customer property
  • Slander and other advertising injuries

Errors and omissions insurance

Errors and omissions insurance icon

This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.

BEST FOR
  • Work errors and oversights
  • Professional negligence lawsuits
  • Late or incomplete work

Professional liability insurance

Professional liability insurance icon

This type of coverage protects Georgia businesses against legal fees related to the quality of their professional services or advice. It's sometimes referred to as E&O insurance.

BEST FOR
  • Mistakes and oversights
  • Breach of contract
  • Missed deadlines

Business owner’s policy

Business owner’s policy icon

A business owner's policy, or BOP, bundles commercial property insurance and general liability coverage. It's often the most cost-effective type of business insurance.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property

Workers’ comp insurance

Workers’ compensation insurance icon

Georgia law requires workers' comp for businesses that have three or more employees. Sole proprietors also buy this coverage for protection against work injuries that health insurance won't cover.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Lawsuits from employee injuries

Cyber insurance

Cyber liability insurance icon

This policy protects Georgia small businesses against financial losses from data breaches and cyberattacks. It’s also called cyber liability insurance.

BEST FOR
  • Data breach investigations
  • Client notification costs
  • Fraud monitoring services

Commercial auto insurance

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This policy is required for vehicles owned by Georgia small businesses. It helps cover legal defense costs from an accident, along with other financial losses.

BEST FOR
  • Injuries caused by your vehicle
  • Property damage caused by your vehicle
  • Vehicle theft and vandalism

Fidelity bonds

Fidelity bond icon

A fidelity bond reimburses your clients in the event of employee theft. Your clients may ask you to secure a bond before they will work with your business.

BEST FOR
  • Illegal electronic funds transfer
  • Forged signatures
  • Theft of cash or property

Commercial umbrella insurance

Umbrella / excess liability insurance icon

An umbrella policy boosts the coverage of your general liability, commercial auto, and employer's liability insurance. It can help your small business comply with requests for higher liability limits.

BEST FOR
  • Personal injury lawsuits
  • Auto accident lawsuits
  • Workplace injury lawsuits

Looking for different coverage? Check out our other policies.

What are the small business insurance requirements in Georgia?

State laws can affect which policies you need. These insurance products are required for Georgia businesses.

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Workers' compensation insurance

The state of Georgia requires businesses with three or more full-time or part-time employees to carry workers’ compensation coverage. This policy covers medical bills for work-related injuries and illnesses.

Most policies include employer's liability insurance, which helps pay for lawsuits from injured Georgia workers.

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Commercial auto insurance

Vehicles owned by limited liability companies (LLCs), startups, and other businesses in Georgia must be covered by commercial auto insurance.

Georgia's requirements for auto liability coverage are:

  • Bodily injury liability per person: $25,000
  • Bodily injury liability per incident: $50,000
  • Property damage liability per incident: $25,000

Trucking companies may need additional coverage.

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 Georgia?

Small business owner calculating their business insurance costs.

Commercial insurance can be affordable for small businesses with low risks. Average costs for TechInsurance customers in the Peach State are:

General liability: $42 per month
Professional liability / E&O: $67 per month
Workers' compensation: $49 per month

Factors that influence the cost of business insurance include:

  • Your industry and risk
  • Business operations
  • Number of employees
  • Types of insurance purchased
  • Coverage options
  • Claims history

Why Georgia business owners choose TechInsurance

Gain financial protection

The costs from a lawsuit or data breach can overwhelm a small business. Protect against common risks with the right business insurance coverage.

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Gain financial protection
The costs from a lawsuit or data breach can overwhelm a small business. Protect against common risks with the right business insurance coverage.
Win contracts and new clients
Clients want to know your small business can handle a lawsuit or disruption. Buy a policy and get a certificate of insurance fast with TechInsurance.
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Consult an expert
Our licensed agents know Georgia insurance and small businesses like yours. Get expert advice about business liability insurance for your unique risks.
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Find insurance policies for your small business in Georgia

Whether you need coverage to sign a contract, rent an office, or get a license, TechInsurance can help you find the right business insurance policies. Our insurance agents are licensed in Georgia and can help you find affordable policies from top-rated insurance companies.

Get started today by filling out our easy application. You can chat with an agent about your business insurance needs and get answers to any questions. When you're ready, pay for a policy online and get a certificate of insurance (COI) immediately to show clients that your business is protected.

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