Find Georgia business insurance in three easy steps
Fill out an online application that reaches top carriers
Review insurance requirements in Georgia
Compare quotes and buy affordable coverage today
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
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.
- Customer injuries at your company
- Damaged customer property
- Slander and other advertising injuries
Errors and omissions insurance
This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.
- Work errors and oversights
- Professional negligence lawsuits
- Late or incomplete work
Professional liability insurance
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.
- Mistakes and oversights
- Breach of contract
- Missed deadlines
Business owner’s policy
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.
- Customer injuries
- Damaged customer property
- Damaged business property
Workers’ comp insurance
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.
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Cyber insurance
This policy protects Georgia small businesses against financial losses from data breaches and cyberattacks. It’s also called cyber liability insurance.
- Data breach investigations
- Client notification costs
- Fraud monitoring services
Commercial auto insurance
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.
- Injuries caused by your vehicle
- Property damage caused by your vehicle
- Vehicle theft and vandalism
Fidelity bonds
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.
- Embezzlement
- Forged signatures
- Theft of cash or property
Commercial umbrella insurance
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.
- 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.
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.
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?
Commercial insurance can be affordable for small business owners with low risks. Based on policy data from TechInsurance customers in Georgia, the average premiums are:
General liability: $47 per month
Workers' compensation: $61 per month
Professional liability / E&O: $83 per month
Factors that influence the cost of business insurance include:
- Type of business
- Business operations
- Number of employees
- Location, such as Augusta or Savannah
- Policy limits and other 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.
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.
Verified small business insurance reviews
Hear from business owners like you who purchased insurance coverage.