Small Business Insurance in Georgia
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Coverage Plans for All Your Needs
Starting a business in Georgia opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.
Essential coverage for your Georgia business
General LiabilityInstant quote »
- Bodily Injury
- Damage to third party property
- Personal Injury
When you also have at least one employee
General Liability + Property and Workers Compensation (WC)
* Plus Workers Compensation
All standard plan benefits and:
Coverage for work-related accidents and diseases and subsequent:
- Ongoing medical care (such as rehab)
- Missed wages during recovery
- Legal fees
We've Got You Covered with Coverage You Need
Whether you’re looking to satisfy Georgia requirements with Workers Comp and Disability Insurance or know insurance is the only way to protect your finances, we’ve got you covered.
Business Owners Policy
Also known as a BOP, this policy is popular among small businesses. It combines general liability and commercial property on one policy at a lower cost while protecting businesses from property loss or third-party claims alleging injury or property loss.
This is coverage is critical for businesses that ship or deliver their goods to another location. Similar to commercial property insurance, it protects cargo while in transit. If it’s stolen, lost, or damaged on the road, Inland Marine coverage pays the costs to replace it.
Georgia requires any business with 3 or more regular employees carry Workers Compensation Insurance. It pays costs associated with an employee injuring themselves at work including medical and lost wage expenses.
If you or your employees used vehicles for your business, you need Business Auto Insurance because accident caused by your business is only covered if you have Business Auto Insurance in place.
The amount of information stored online and business conducted electronically has opened the door to an increase in cyber crime. Cyber Liability Insurance protects businesses by paying the high costs associated with responding a cyber breach.
Frequently Asked Questions
What insurance do I need for my Georgia business?
Since every business is unique, it is best to discuss your business with a licensed insurance expert. They can help guide you through the insurance process and make recommendations.
Do I need Workers Comp if I only have 3 part-time employees?
As a Georgia business, you are required to purchase Workers Compensation Insurance when you employ 3 regular employees. Part-time employees are considered regular employees.
How much does business insurance cost in Georgia?
The price of business insurance varies across carriers because they use different criteria to calculate premiums. Most will review your experience, loss history, services, and safety policies.
How can I lower my business insurance premiums?
Ask your insurance carrier if they offer any discounts for implementing loss control services or specific safety procedures to minimize risks.
What do I need to get an insurance quote?
Insurance companies often require completed applications, business license, and loss history to offer a quote for insurance.
Peace of Mind, At Your Fingertips
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
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References for Small Businesses in Georgia
Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business: