General Liability Insurance in Georgia

You can save up to 25% in discounts.*

General Liability covers a wide range of incidents

Slip-and-fall injuries

Slip-and-fall injuries

Someone trips at your business, breaks their leg and files a lawsuit. Excluding employees.
Property damage

Property damage

You accidentally damage a client or customer’s property.
Advertising injury

Advertising injury

You’re sued for improper image use in your advertising.
Legal fees & defense costs

Legal fees & defense costs

You need an attorney to defend your business in a lawsuit after a claim.

What is General Liability insurance coverage?

Georgia general liability insurance, also called commercial general liability (CGL), can help cover costs related to common risks that many businesses face, such as:

  • Slip-and-fall injuries
  • Other injuries related to your business, excluding employees
  • Damage to someone else’s property
  • Accusations of libel, slander or copyright infringement

There are a number of different situations where general liability insurance can help protect businesses financially, including the following examples:

  • A house cleaner in Savannah accidentally scratches a glass dining table while cleaning a client’s home. General liability could help cover the costs to fix the mistake.
  • A customer trips over an Atlanta drywall contractor’s equipment and breaks their ankle. General liability insurance could help to cover medical costs if the contractor is held at fault.

General liability insurance can also provide coverage when you need to defend yourself against accusations of slander, libel or copyright infringement.

Is General Liability insurance required in Georgia?

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:

Gain financial protection

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. 

Get more clients

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.

Sign a commercial rental agreement

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.

Secure licenses and permits

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.

What types of businesses might need General Liability in Georgia?

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.

How much is general liability insurance in Georgia?

General liability insurance costs in Georgia vary due to a number of factors, including:

  • What type of work you do
  • How many employees you have
  • Where your business is located
  • The policy limits you select
  • Any past insurance claims

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.

How NEXT Insurance helps Georgia businesses

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.

Other types of Georgia business insurance

General liability is just one type of business insurance that is available for Georgia small businesses. Additional coverage can help protect your business from other risks.
Other options for business insurance coverage include:
Workers Compensation
Workers’ Compensation insurance

If you employ three or more people in Georgia, you are required to have workers’ compensation insurance. Workers’ comp could provide important coverage for medical expenses and lost wages if an employee gets hurt on the job.

Learn more about workers’ compensation.
Commercial Auto
Commercial Auto insurance

Georgia requires all vehicles owned or operated by your business to be covered by commercial auto insurance. This insurance can help cover costs such as property damage and medical bills if you or one of your employees are involved in an accident.

Learn more about commercial auto.
Commercial Property
Commercial Property insurance

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 commercial property insurance.
Errors & Omissions
Professional Liability insurance (E&O insurance)

Professional liability insurance can help provide financial protection if a customer or client claims you made a professional mistake that cost them money.

Learn more about professional liability.

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Let’s find the coverage you need for your business
Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.
General Liability insurance
General Liability
Protect yourself from accidents that cause physical injury or damaged property.
Professional Liability or Error and Omissions Insurance
Professional Liability/E&O
Shield yourself from lawsuits that claim your work errors caused financial losses.
Workers' Compensation Insurance
Workers’ Compensation
Cover medical bills and lost wages if your employees have an accident at work.
Commercial Auto Insurance
Commercial Auto
Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.
Tools & Equipment Insurance
Tools & Equipment
Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.
Commercial Property Insurance
Commercial Property
Keep your building, inventory and equipment protected from fire or water damage.
Business Owner’s Policy Insurance
Business Owner’s Policy
Combine general liability and commercial property into one policy to protect your business.
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
** The cost data presented here are based on NEXT active customers in the U.S. who purchased general liability insurance over the previous 12 months. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in July 2022.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.