Georgia Business Insurance

Customized protection for your Georgia business

Small business owners in Georgia should consider several types of commercial insurance to protect against risks associated with business property, employees and daily operations. Choosing to run a business in Georgia without insurance could lead to financial hardships that often result from lawsuits and recovery costs.

In 2018, private sector businesses accounted for nearly 84% of Georgia’s 92,600 non-fatal workplace injuries, according to the Bureau of Labor Statistics. Incidents like these can disrupt business operations and jeopardize cashflow and other assets. Insurance helps minimize these obstacles.

Shop for general liability, workers’ comp and more through the Progressive Advantage® Business Program. We’ll help you customize a Georgia business insurance policy based on your needs.

Types of GA business insurance

General Liability

This is the most common business insurance coverage and nearly all businesses in Georgia should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.

More info

Commercial Auto

Commercial auto provides liability and physical damage coverage for your business vehicles. Most personal auto policies don’t cover vehicles used for business, which includes transporting supplies or traveling between job sites.

More info

Workers' Compensation

Businesses in Georgia are required to have workers' comp insurance if they have three or more employees. Workers’ compensation insurance helps pay for expenses related to employees becoming injured or ill while working for you.

More info

Business Owners Policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property such as a storefront, warehouse or office building.

More info

Professional Liability

Georgia businesses that offer professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It’s also known as errors and omissions insurance (E&O).

More info

Cyber Insurance

This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.

More info

Browse for Georgia business insurance by your profession.

How much does business insurance cost in Georgia?

The cost of a Georgia business insurance policy depends mostly on the type of work that you do. Each industry is exposed to different types of risk, causing their rates to differ. For example, high-risk businesses like tree trimmers and general contractors often need a specialized coverage called excess and surplus (E&S), which typically is more expensive.

Other factors that affect your rate include coverage needs, business size and location. For example, a business in Atlanta can expect to have a different rate than one in Macon, or a business that has employees might pay more than a business that doesn’t.

Learn more about the factors that influence business insurance rates. You can also get a quote online to find out what you’ll pay for your unique situation.

Georgia business insurance requirements

The state of Georgia requires businesses with three or more full or part-time employees to carry workers’ compensation. Small business owners can get insurance through a private insurance carrier or become a qualified self-insured.

Businesses might be responsible for providing workers’ comp coverage to any subcontractors they hire if the subcontractor doesn’t have their own policy. It’s best to check with Georgia’s Workers’ Compensation Board for details on who can be classified as a subcontractor.

Other business insurance like general liability isn’t required by law in Georgia, but it’s generally needed before entering a contract with a client. It’s important to select coverage limits that both meets client requirements and adequately protects your assets.

Resources for Georgia small business owners:

Georgia professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive?

Options – We can help you secure coverage at any stage of your business’s development with the flexibility to adjust your policy as your business changes. Our agents will work with you to make sure you’re getting protection that meets both your needs and budget.

Experts – As the #1 Commercial Auto Insurer in America*, you can trust us with all your business insurance needs. Our team of specially trained, in-house agents can assist you every step of the way to make sure you’re getting the best coverage for your business.

Convenience – There are several ways to get a quote whether you need a single Georgia policy or a combination of business insurance coverages. Simply start a quote online or call us to speak with an agent.

Business insurance for all Georgia cities

We can customize business insurance in all Georgia cities, including, but not limited to:

  • Atlanta
  • Augusta
  • Columbus
  • Macon
  • Savannah
  • Athens
  • Sandy Springs
  • South Fulton
  • Roswell
  • Johns Creek

More information

*No. 1 commercial auto insurer from SNL Financial’s 2019 national written premium data.