GA Insurance Guide
Georgia Business Insurance Requirements
Everything you need to know about business insurance requirements in Georgia. Compare quotes from top carriers licensed in GA.
Average Business Insurance Costs in Georgia
$57/mo
Business Owners Policy
GL + Property combined
$37/mo
General Liability
$1M/$2M coverage
$92/mo
Workers Compensation
Per employee average
Georgia Insurance Requirements
!
Workers Compensation: Required
3+ employees (including owners and officers)
- ✓Workers compensation required for businesses with 3+ employees
- ✓Officers and LLC members count toward the employee threshold
- ✓Commercial auto insurance required for business vehicles
- ✓Construction contractors often need higher insurance limits
- ✓Atlanta businesses may need additional coverage for city permits
Regulatory Authority: Georgia Office of Insurance and Safety Fire Commissioner
Top Industries We Insure in Georgia
Film & Entertainment
Get a quote →Technology
Get a quote →Logistics & Transportation
Get a quote →Construction
Get a quote →Healthcare
Get a quote →Agriculture
Get a quote →Georgia Business Insurance FAQ
When is workers comp required in Georgia?
Georgia requires workers compensation insurance for businesses with 3 or more employees, including officers and LLC members. This is a lower threshold than many states, so businesses should count all workers carefully. Officers can exempt themselves with proper filing.
How much does business insurance cost in Georgia?
Georgia business insurance costs are below the national average. A BOP averages $57/month, general liability averages $37/month, and workers comp averages $92/month. Metro Atlanta businesses may pay slightly more due to higher property values and litigation rates.
What insurance do Georgia contractors need?
Georgia contractors need workers compensation (with 3+ employees), general liability insurance, commercial auto insurance, and may need surety bonds for certain license types. Most general contractors require subcontractors to carry $1M in general liability.
Does Georgia require general liability insurance?
Georgia does not legally require general liability insurance for most businesses. However, it is effectively required by most commercial leases, contracts, and clients. Atlanta-based businesses almost universally need GL to operate.
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