out of 5 customer review rating and 200,000+ policies sold.

A leader in small business insurance in Georgia

Many companies trust biBerk for small business insurance in Georgia. Why? We offer flexible policies to protect you from the many types of risk Georgia businesses face, and we provide attentive customer service. 

Your business probably needs some or all of these policies to ensure that unexpected expenses don’t negatively impact your finances.

Georgia Workers' Compensation Insurance

This insurance helps protect your business if an employee gets hurt, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers’ comp in Georgia to suit your business.

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Georgia General Liability Insurance

Also called commercial liability insurance, a general liability policy is a vital type of business insurance in Georgia. It covers damages and legal costs associated with injuries to customers and other people who don’t work for you, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. For example, it can cover visitor slip-and-fall accidents at your business location. Minor incidents can lead to major liability, so general liability insurance in Georgia is essential. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Georgia Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, like using a temporary location. For instance, if a severe storm damages your building, you may be covered. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Georgia Professional Liability Insurance

You might hear this type of GA commercial insurance called errors and omissions (E&O) insurance. It could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). If you’re an accountant, for example, and you make a calculation error that results in your client losing money, your business may be covered if they sue you. You should consider professional liability insurance if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Georgia Commercial Auto Insurance

If your company owns or leases vehicles, this GA business insurance policy protects your organization. It can provide coverage for your legal fees and the medical costs of third parties if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

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Georgia Cyber Insurance

You can buy this type of business insurance in Georgia as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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Georgia Umbrella Insurance

As you probably know, every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, covering costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits in Georgia can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

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If you have questions about small business insurance in Georgia, our licensed insurance experts are here to help.

We cover all kinds of professionals and businesses in Georgia, including:

  • Auto body repair shops
  • Beverage distributors
  • Building electrician services
  • Bus companies
  • Cabinet and trim installation
  • Carpentry services
  • Concrete driveway services
  • Contractor building operations
  • Day camps
  • Day care centers
  • Delivery trucking companies
  • Domestic service contractors
  • Entertainment center installation services
  • Flooring and carpet installers
  • Garbage collection services
  • Heating and air services
  • Hotels
  • Landscaping services and gardening services
  • Masonry services
  • Metal door and metal frame construction companies
  • Metal fence installation companies
  • Moving companies
  • Nursing homes
  • Painting and wallpaper installation companies
  • Park operations
  • Physician offices
  • Plumbing services
  • Public health nursing associations
  • Restaurants
  • Retail stores
  • Sales and collection services
  • Telephone companies
  • Tile, stone, and mosaic installation services
  • Towing companies
  • Tree pruning and trimming companies
  • Trucking companies
  • Wallboard installation companies
  • Welding and metal cutting companies

Why biBerk for GA Commercial Insurance?

We’re the experts when it comes to small business insurance in Georgia.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you - up to 20% less than policies with other insurance companies.

Experienced

We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.

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Why is biBerk better for small businesses in Georgia?

For business liability insurance in Georgia, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.

Your source for GA business insurance

Is it simple to buy insurance from biBerk? Absolutely! Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:

  • General liability insurance in Atlanta, GA
  • Professional liability insurance in Roswell, GA
  • Commercial auto insurance in Augusta, GA
  • Workers’ compensation insurance in Savannah, GA
  • Cyber insurance in Macon, GA
  • Any coverage we offer, wherever you are in Georgia!

What do biBerk customers say?







Who needs small business insurance in GA?

No business should operate without commercial insurance in Georgia. Maybe you’ve just founded a startup and want to be sure you have financial protection from liability, property damage, and other expenses. If so, it’s a good idea to learn about biBerk’s products and services. You’ll find we can provide robust coverage today that grows with your business as it expands. Entrepreneurs also like having a trusted insurer behind them for when the unexpected happens.

Owners need to understand their insurance

Owners and decision-makers at established businesses also need to understand their insurance obligations and options. Many appreciate how easy it is to customize their coverage when they work with us. They also like that we share their focus on risk mitigation. The easiest incident to overcome is the one that never happens!

Freelancers or solopreneurs face business risks

Even freelancers or solopreneurs face business risks and need financial protection from them. Often they’re looking for simplified insurance solutions, and our experts can help them develop strategies that provide the coverage they need affordably.

Georgia small business insurance: what’s required?

Workers' Compensation

In Georgia, every business with three or more employees is required to carry workers’ compensation insurance. If you’re headquartered in Georgia but do business outside of the state, you still need a workers’ comp policy. You can receive substantial fines and criminal penalties if you’re caught doing business with three or more employees in Georgia without a workers’ comp policy.

Other policy considerations

While the law may not state it, you probably need to carry other business insurance policies in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy, for example. Even if your customers, clients, or partners don’t require you to carry specific policies, we recommend that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.

What's the cost for small business insurance in Georgia?

The cost of business insurance in Georgia depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums.

Learn what you’ll pay by getting instant online business insurance quotes.

Frequently asked questions about small business insurance in Georgia

  • What types of insurance are typically required for small businesses in Georgia?

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    Small businesses in Georgia often need general liability, workers' compensation (for businesses with employees), commercial auto (for companies that own or lease vehicles), and sometimes professional liability insurance. Our licensed insurance experts can help you decide which policies are mandated for businesses like yours and what coverages are optional but recommended.

  • How much does small business insurance typically cost in Georgia?

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    Costs vary widely based on coverage type, business size, industry, and location, with annual premiums ranging from a few hundred to several thousand dollars. But you can get instant online quotes for any policies you’re considering. 

  • Are there any industry-specific insurance requirements in Georgia?

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    Yes, certain industries may have specific insurance mandates based on state laws or industry regulations. Contact local and state authorities for details.

  • How do I determine the right coverage amounts for my small business in Georgia?

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    We’re happy to help you select your policy limits. We work with you to assess factors like your business risks, assets, legal requirements, and budget.

  • How quickly can I expect my insurance claims to be processed and resolved for my Georgia small business?

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    Processing times vary based on claim complexity, how quickly you’re able to provide the resources necessary to support the claim, etc. But we do our best to process claims efficiently so you can turn your attention back to your business.

Georgia small business insurance in three simple steps

1

Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.

2

Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.

3

Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a quote for business insurance in Georgia today

Trust biBerk for business insurance in Georgia and save up to 20%.