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What type of insurance do you need?
Last year small businesses in Georgia made $491 billion. Not having the right insurance for your business could cost you valuable revenue. Business claims can cost thousands of dollars, which would all have to be paid out of pocket if you don't have commercial insurance in place as a safeguard.
40% of small businesses are likely to experience a property or general liability claim in the next 10 years. Here are some things these companies have been using their insurance on:
Georgia business insurance covers the cost of claims so that your company's revenue doesn't get touched in case of accidents or natural disasters.
Here's what a typical business insurance policy will do for you:
Pay For Damage To Your Building
Pay For Damage To Your Business Property
Pay For Damage To Someone Else’s Property
Pay For Someone Else’s Medical Bills
Pay For Accidents in Company Vehicles
Pay For Employee Injuries & Compensation
Georgia businesses are required to have workers' compensation insurance if they employ three or more employees whether full-time or part-time. Some other parties may also ask for evidence that your business is insured.
For example, mortgagees, suppliers and investors will often ask for proof of commercial insurance before engaging in business transactions. To learn more about the exact coverage you need for your Georgia business, talk with a local independent insurance agent.
It primarily depends on how risky your business is. The riskier your business is, the higher your insurance will be. Here are two examples.
Rates for Georgia business insurance are based on several factors. Depending on your unique risks and the type of coverage you need, your premium could vary. Policies will also vary quite a bit depending on the industry you work in, so talk with an experienced independent agent to choose the right protection plan for your business.
It’s usually wise to work with an independent agent in Georgia since they have access to multiple insurance companies. Sometimes its difficult to find an insurance company who will cover your business.
Number of businesses in the US: 27,626,360
Burglary rate per 1,000 residents in the US: 3.76
Auto theft rate per 1,000 vehicles in the US: 2.29
|City||No. businesses||Burglaries / 1,000 people||Auto thefts / 1,000 cars|