Business Insurance in Georgia
Coverage for Georgia businesses of every size and kind, from an independent brokerage based in Alpharetta. We compare options across our carrier markets and explain the choices in plain language.
What Georgia law requires
- Workers' compensation at three or more employees. Georgia requires workers' compensation once you regularly employ three or more people, full or part time. Regular part-time workers count. In a corporation or LLC, officers and members count toward the three, even if up to five of them waive coverage on themselves with a WC-10 form. Sole proprietors and partners are not counted as employees but can choose to cover themselves.
- Liability insurance on business vehicles. Vehicles your business owns or operates need liability insurance. Georgia's minimum is $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage, or a single limit of at least $75,000. Carrying passengers or goods for hire can require higher limits.
- Proof of insurance for licenses, permits and contracts. Many state and local licenses, permits and registrations carry their own insurance requirements, and customers, landlords and lenders often ask for a certificate of insurance before work starts.
Coverage Georgia businesses review most
- General liability. Covers claims that your business caused injury to someone or damage to their property.
- Business owner's policy. Property and liability in one package, a common fit for small and mid-size businesses.
- Property & equipment. Your building, equipment and inventory. Many policies expect you to insure at least 80% of value.
- Commercial auto. Vehicles used for work. Dealers, repair shops and truckers usually need garage or trucking forms instead.
- Workers' compensation. Required at three or more employees, and often asked for by general contractors.
- Professional liability. Claims tied to advice, services or mistakes in your professional work.
- Cyber liability. Data breaches, ransomware and the costs that follow.
- Umbrella & excess. Extra limits above your liability, auto and employer's liability policies.
Hard to place?
Been declined or non-renewed? We work with specialty and surplus lines markets for risks the standard market passes on. Georgia also runs assigned risk plans for workers' compensation and auto, and the Georgia Underwriting Association for property. Those are a last resort because rates run higher, so it pays to check the open market first.
City guides
Common questions
Do I need workers' comp in Georgia?
Georgia requires it once you regularly employ three or more people, counting regular part-time workers. LLC members and corporate officers count toward the three, even if some of them waive coverage on themselves.
Do LLC members count toward Georgia's three-employee rule?
Yes. In a corporation or LLC, officers and members count toward the total. Up to five can waive coverage on themselves by filing a WC-10 with the carrier, but they still count toward the three.
What auto insurance does a Georgia business vehicle need?
At least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage, or a $75,000 single limit. Many businesses carry more, and for-hire operations may need higher limits.
Can I get coverage in Georgia if I've been declined?
Often, yes. Specialty and surplus lines markets write many risks the standard market passes on, and the state's assigned risk plans are a backstop.
Do you only work with certain industries?
No. We place coverage for businesses of every kind, from new startups to established operations.
General information only, not legal advice. Coverage depends on the policy's terms, conditions and underwriting. State requirements checked October 15, 2026 from: Georgia State Board of Workers' Compensation, Insurance FAQs; Georgia Office of Insurance and Safety Fire Commissioner, Auto; Georgia Office of Insurance and Safety Fire Commissioner, Guide to Business Insurance.