Georgia Business Insurance
Coverage Catered to your Georgia Business
Small business owners in Georgia face many different risks associated with business property, employees, and daily operations. Without proper insurance coverage, these risks could lead to financial hardships from lawsuits and recovery costs. Workplace injuries and other incidents can disrupt business operations and jeopardize assets. At BIS, we help minimize these obstacles with our tailored Georgia business insurance policies, which include general liability, workers’ comp, and more. Let us help you protect your business with a customized policy based on your specific needs.
Types of Business Insurance for GA Employers
Our insurance brokers have served businesses of 15 employees or more in Georgia for over 24 years. We are committed and passionate about providing top-tier small business insurance coverage that you can count on.
Workers' compensation insurance is mandatory on a state-by-state basis in the United States. In Georgia, employers must offer workers' comp if they have three or more employees. If one of your workers becomes injured or falls ill while on the job, this coverage will make sure they have the time and financial compensation needed to recover.
If your business were to suffer damage from something like a storm, fire, or even theft, commercial property and building coverage will both protect your physical place of business and the inventory & furniture inside.
This is a type of coverage that will protect your business from claims of things like bodily injury, property damage, advertising injury, and more. If you manufacture a product in the state of Georgia, this type of coverage helps protect against claims of damage or injury due to that product not performing as intended.
Also referred to as professional liability insurance, this type of coverage protects your business from any mistakes that are made while you and your employees are providing your professional services.
This is a type of optional coverage that fills in any of the gaps that may exist with the other types of policies your business has.
With the average cost of a cyberattack coming in at $9.4 million in 2023, cyber insurance will help protect your business against monetary and reputational damage from hacks, phishing attempts, and more.
Commercial surety bonds are used for licenses, permits, and the release of liens. Contract payment and performance surety bonds, on the other hand, are used by contractors to help make sure all material suppliers get paid, and a project is completed on time and in full.
If one of your work vehicles is in an auto accident while being used for business purposes, this type of insurance will help cover any damages that arise.
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Allow our brokers to aggressively shop the market to get you the most competitive rates.
Complete Coverage, tailored to your business
Georgia business owners know that their company can face a multitude of risks every day. Business Insurance is a way to protect the business from these risks. This coverage protects businesses against losses to financial assets, intellectual property, and physical property due to events that may occur during the normal course of business.
There are many factors to consider when determining the type of Georgia commercial insurance that is best suited to your business, such as the industry, size, location, and number of employees. It is critical to partner with an agent who understands your business risk and knows how to craft a program that is designed to place the proper insurance coverages for your needs.

Georgia Business Insurance Requirements
In the state of Georgia, some types of insurance - with workers' compensation being the top example - are mandatory to run a business that hires employees at all. Others may require your business to get a license, depending on the specific industry you work in.
How Much Does Business Insurance Cost in Georgia?
The amount you'll pay for business insurance in Georgia will vary depending on several key factors-
- Type of Coverage: While basic liability coverage tends to cost less, more optional policies can mean higher premiums
- Industry: Certain industries, like construction and manufacturing, carry higher inherent risks, which directly impact insurance costs
- Number of Employees: More employees mean higher potential exposure, which can increase premiums, while smaller teams often qualify for lower rates
Find Brokers You Can Trust at BIS
Reasonable Prices
We will shop the market and find the most competitive rates for your company with major insurance carriers.
Above & Beyond Customer Service
It's more than providing a service - we focus on serving our clients and creating real, tangible relationships. We like to say, "Think Comcast and Do The Opposite."
Great Coverage
At BIS, we service all your benefits and business insurance needs. Let our experienced agents and team place the right coverage for your business and staff.
Our Carriers
We work with all the top-rated insurance carriers in Georgia, including
Selective,
Hanover,
Travelers,
Hartford,
Nationwide,
Chubb,
Liberty Mutual, and more.
Industry Specialties
Auto Dealer Services
Cargo / Transit
Heavy Equipment / Crane & Rigging
Professional Services / A&E
International
Aviation
Healthcare
Banking & Financial Institutions
Energy
Marine / Logistics
Higher Education
Real Estate
Business Services
Food & Agriculture
Hospitality Resort Management
Mining
Transportation
Where We Work
BIS Benefits is proud to work with businesses across the state of Georgia. The cities our clients are located in include:
Business Insurance FAQs
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Commercial Insurance, Group Plans, and Employee Benefits? We're here to help! Our team is friendly, knowledge - and ready to answer your questions or put together a custom quote for your exact requirements. Contact us today!