Someone trips at your business, breaks their leg and files a lawsuit. Excluding employees.
You accidentally damage a client or customer’s property.
You’re sued for improper image use in your advertising.
You need an attorney to defend your business in a lawsuit after a claim.
Georgia general liability insurance, also called commercial general liability (CGL), can help cover costs related to common risks that many businesses face, such as:
There are a number of different situations where general liability insurance can help protect businesses financially, including the following examples:
General liability insurance can also provide coverage when you need to defend yourself against accusations of slander, libel or copyright infringement.
There are currently no Georgia general liability insurance requirements mandated by state law.
However, some local governments may still require general liability for certain professions or businesses. Check with your city clerk’s office to confirm what insurance you need to operate legally in your area.
Even though it’s not always required, general liability insurance for small businesses in Georgia can still provide important protections. Many small businesses voluntarily buy coverage to:
Georgia small businesses could have more financial protection if an accident occurs and they have general liability coverage. Business owners may also find that banks and lenders require this type of Georgia business insurance.
Potential clients may require proof of coverage before agreeing to work with you.
An insurance requirement is sometimes written into contacts. You could risk losing out on business if you don’t carry Georgia general liability insurance.
Are you planning to sign a lease to operate your business? Property managers in Georgia may refuse to rent space to you without a general liability certificate of insurance.
Some industries in Georgia require general liability insurance to get a business permit or license. In these cases, general liability insurance ensures that you are operating legally.
To get your contractor’s license in Georgia, for example, you must submit proof of at least $500,000 in general liability coverage. General liability insurance for contractors is required due to the increased physical risks in this line of work.
For more details, see our guide to Georgia general contractor license and insurance requirements.
General liability insurance covers common risks in almost every industry.
Even if you run a business with a lower level of risk, general liability insurance can still provide important protections.
It’s not uncommon for accidental injuries or property damage to happen in an office environment or small retail spaces. For example, if a barista at a Marietta coffee shop spills a latte on a customer’s designer bag and clothes, leaving permanent stains, general liability coverage could help pay for replacements.
General liability insurance costs in Georgia vary due to a number of factors, including:
Georgia small business owners can get affordable and tailored general liability insurance from NEXT online in about 10 minutes. At NEXT, 50% percent of U.S. customers pay $45 or less per month for this type of coverage.**
Learn more about general liability insurance costs.
NEXT provides Georgia general liability insurance policies designed for small businesses and self-employed workers.
It only takes about 10 minutes to get a quote, review your coverage options, choose your policies and download a certificate of insurance.
Start an instant quote online today.
Our team of licensed insurance advisors is standing by to assist you if you have any questions along the way.
Commercial property insurance can help protect a business’s physical assets, including brick-and-mortar structures, inventory, equipment and furniture. If a covered event occurs, like a fire or a burst water pipe, this insurance could help cover the costs to repair or replace important assets.
Learn more about insurance options in the states where you work.
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