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Small Business Insurance in Georgia

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Insurance cover for small businesses in Georgia

Inland Marine

Covers your products, materials and equipment that are transported over land (truck or train), or while they're in a warehouse. If involved in a collision, mishandling or cargo theft, Inland Marine Insurance covers the transported goods.

Business Owners Policy (BOP)

Business Owners Policy (BOP) protects you from business liability and property damage at a lower cost. BOP covers claims resulting from fire, theft & disasters. BOP also covers claims of bodily injury or property damage during your business operations.

Workers Compensation

Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!

Commercial Auto

Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.

Professional Liability

Professional Liability Insurance (or E&O Insurance), protects your small business from claims of mistakes, negligence or malpractice made when providing your services that caused sobody financial loss. PLI covers your legal defense costs, damages and settlements.

Cyber Liability

Cyber Liability Insurance protects you from the theft of sensitive data. If you suffer a data breach or software attack, Cyber Liability Insurance will cover the costs of notifying and restoring affected customers, recovering data and repairing security systems.

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.

Are You Ready to Get Covered?

Prefer to speak with a CoverWallet consultant? Call

(646) 844-9933