Business Insurance in Georgia FAQ - Quick Answers

Your Georgia small business insurance needs to be quoted by a professional for exact rates, but you can understand what the carriers look for when determining your premiums. Check out risk factors insurance companies look at below:

  • Type of industry
  • Number of employees
  • Gross annual sales
  • Location of business
  • Number of company vehicles
  • Safety practices in place
  • Past claims reported
  • Number of years in operation

In Georgia, every business with 3 or more full-time employees is required to carry workers' compensation insurance by law. If you have company vehicles, then you'll need to obtain commercial auto coverage according to the state minimum limits mandated. All other forms of business insurance are not legally mandated in most cases.

In Georgia, you'll have some policies that are required by law and some that are not necessary. Check out policy options for your small business below:

General liability insurance in Virginia is typically your primary policy and used to protect your business in the following ways:

If you run a small business with fewer than 50 employees, then offering health insurance to your staff is typically optional. However, if you have 50 employees or more, then you'll be required to supply health coverage according to the Affordable Care Act. Your independent insurance agent can give different options for your small business.

If you've been looking for small business insurance at a great rate, then you're not alone. In Georgia, Nationwide, Travelers, Progressive, and Hanover insurance companies are used often when obtaining sufficient protection. This is due to their broad coverage offerings and superior customer service.

Do You Know What Your Business Insurance in Georgia Covers?

Find the Best Business Insurance in Your City

National Business Insurance Stats

Number of businesses in the US: 30,819,176

Burglary rate per 1,000 residents in the US: 3.76

Auto theft rate per 1,000 vehicles in the US: 2.29

CityNo. businessesBurglaries / 1,000 peopleAuto thefts / 1,000 cars
Peachtree City3,8791.050.99