Getting fast and affordable business liability insurance is easier than ever in Georgia. Our business liability Specialists help make it simple, and more convenient than ever, to qualify for lower rates and faster liability insurance quotes with one or more of our insurance partners. Whether you want us to shop your GA business insurance, or you want to get instant business insurance quotes online, General Liability Shop.com can help.
General Liability Insurance in Georgia
Georgia general liability insurance is required by the state for most business owners. GL coverage is designed to protect GA business owners from direct or indirect damages to another party. Your liability insurance helps pay for those damages caused by the actions of your business, or your employees. Georgia general liability coverage pays for property damage and personal injuries involving customers, visitors and sub-contractors. Business owners in Georgia have a choice regarding insurance deductibles and policy limits within their coverage.
Our Top Commercial Insurance Programs for Georgia
We offer lower cost GL programs for over a hundred types of businesses in Georgia. In addition to affordable GL insurance programs for industries such as retail stores, contractors, restaurants, healthcare and more; we also provide easy access to other important coverages for Georgia business liability insurance.
Small Business Liability Insurance Quotes Available in Your State:
Business Income and Extra Expense
Business Owners Policy
Business Property Insurance
Commercial Auto Insurance
Commercial Crime Coverage
Commercial Insurance Packages
Commercial Umbrella Policy
Data Breach Insurance
EPLI
Employers' Workers Compensation
General Liability Insurance
Hired and Non-Owned Coverage
Inland Marine Coverage
Liquor Liability Insurance
Professional Liability Insurance
Get Georgia General Liability Quotes
General Liability Shop.com has already helped hundreds of business owners in Georgia find the most affordable quotes for their business liability insurance coverages. We’re a national commercial insurance agency appointed to represent more than 35 insurance carriers throughout the U.S. We return business insurance quotes quickly with more efficient technology, highly trained insurance Specialists and dedicated underwriters servicing our agency.
Call 800-900-8657 to Speak to an Agent or
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Give one of our Georgia general liability Specialists a call now at 800-900-8657 to see if your business qualifies for lower rates and better coverage. Or start your GA liability quote online today.
GA Business Liability Costs
Liability insurance costs in Georgia can vary widely between insurance companies. Liability insurance rates are generallyfactored using a) the gross sales for the business, b) the gross payroll for employees and owners, c) the square footage of the premises and d) any sub-contractor exposures (if applicable). Insurance rates are developed at a rate per $1,000 utilizing one or more of the above factors.
A typical small business in Georgia can expect to pay anywhere between $300 and $5,000 annually for their general liability policy. The final cost of liability coverage from one business to the next will vary significantly based on the SIC code or the insurance company’s own classification system for GL rating. Some additional factors used to develop insurance costs include the nature of your business, your physical location, prior claims experience, and your years in business.
Why Choose General Liability Shop.com for Georgia GL Insurance?
At General Liability Shop.com all we do is business insurance. We’re laser-focused on delivering super quick insurance quotes with bottom dollar prices. We take a lot of pride in helping small business owners buy better business insurance with less headaches, and lower rates. We shop your GA liability coverage so you don’t have to.
We’re a National Commercial Insurance Agency
When it comes to buying business insurance at the lowest rates, having a national insurance agency on your side can be a huge advantage. We’ve developed unique programs and coverage options for many types of businesses in Georgia, and throughout the U.S. Our agency works with each of our carriers to offer more flexible payment options designed to help improve business cash flow.
We offer liability Quotes from More Insurance Companies
We’re an independent agency representing more than 35 national and regional commercial insurance companies. Most of our partners are actively quoting GA business liability insurance. We make our insurance companies compete for your insurance business. We make them return your quotes quickly. They know we want lower rates and bigger discounts for our customers.
We Specialize in Business Liability Insurance
General Liability Shop does not sell leads like many other online websites offering general liability coverage in Georgia. All of our licensed agents work directly for our agency. Every agent on our staff gets over 150 hours of annual training regarding our business insurance products and programs.
We Make Georgia liability Insurance Fast and Easy
Our exclusive focus on business insurance has enabled us to streamline the quoting and binding process, making it more efficient for our GA business customers. Once you start a quote with General Liability Shop.com, one of our Specialists will walk you through the entire process from start to finish.
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.
The minimum limits of liability insurance required under Georgia law are: Bodily Injury Liability – $25,000 per person and $50,000 per incident. Property Damage Liability – $25,000 per incident.
The state of Georgia doesn't require drivers to have uninsured motorist (UM) or underinsured motorist (UIM) insurance coverage for a vehicle where there is no loan being paid off.
Under Georgia law, drivers are not permitted to operate a vehicle unless it has liability insurance coverage in the amount of at least $25,000 for bodily injury or death of one person person, $50,000 per accident if more than one person sustained bodily injury or death, and $25,000 of property damage coverage.
Injuries that happen on your property, such as those from slips or falls. Bodily injury or property damage to a third party caused by your work, products or your employees' activities. Liability of others assumed in specifically defined contracts. Libel, slander or business disparagement.
In Georgia, manufacturers are held strictly liable for the products they offer the public. They get into the manufacturing business knowing that they are responsible for any harm caused by their defective products. This applies even if they weren't careless and they didn't intentionally break any rules.
Most small business owners choose general liability coverage limits of $1 million per occurrence and $2 million aggregate for each policy period. Both limits can impact your business operations.
Valid insurance coverage is required to: Register and receive a Georgia license plate. Renew, transfer or replace a Georgia license plate. Legally drive or maintain an actively registered vehicle.
In Georgia, drivers involved in severe accidents with uninsured or underinsured drivers resulting in broken bones or crushing injuries can stack uninsured/underinsured motorist coverage (UM/UIM) to increase coverage and protect against financial loss.
Uninsured motorist (UM) coverage is used when the at-fault driver can't pay due to lack of insurance. Underinsured motorist (UIM) coverage is used when the driver's liability limits are lower than the costs of the accident.
This allows you to pay for some, if not all, injuries and damages you're liable for in an accident. The most commonly required liability limits are $25,000/$50,000/$25,000, which mean: $25,000 in bodily injury per person. $50,000 in total bodily injury per accident. $25,000 for property damage per accident.
General Liability covers personal and bodily injury to non-employees, property damage to non-owned property, advertising injury, employee benefits liability, and professional liability (except for medical malpractice, which is covered under the Professional Medical and Hospital Liability Program).
What does general liability insurance cover? General liability insurance policies typically cover you and your company for claims involving bodily injuries and property damage resulting from your products, services or operations. It may also cover you if you are held liable for damages to your landlord's property.
Someone gets hurt and wants you to pay for medical bills
A jogger doesn't see your stuff, trips and breaks an arm. In this case, you could be sued for medical costs. If you don't have general liability insurance, you would need to pay out of pocket to cover any related expenses to defend yourself.
Please note that having a comprehensive cover for one's vehicle is not compulsory (but recommended), however, carrying at least a third party car insurance is mandatory as per this act.
The fact that Georgia is an at-fault state means that when there is an incident involving personal injury or property damage, the individual determined to be “at fault” will be financially responsible for medical expenses, property repair expenses and any other damages.
As a general rule, you should insure against things you wouldn't be able to pay for on your own. This coverage protects against financial loss as the result of bodily injury, property damage, medical expenses, libel, slander, defending lawsuits, and settlement bonds or judgments.
In Georgia, manufacturers are held strictly liable for the products they offer the public. They get into the manufacturing business knowing that they are responsible for any harm caused by their defective products. This applies even if they weren't careless and they didn't intentionally break any rules.
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