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.



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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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 specialized for your business

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

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:

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Why Trust BIS With Your Business Insurance Needs?

At BIS Benefits, we take immense pride in being recognized as one of Georgia's top employee benefits brokers. Over the years, our commitment to excellence has allowed us to provide our clients with access to top-notch insurance solutions. We provide an extensive range of major employee benefits and commercial insurance products, carefully tailored to suit your company's specific requirements.


Explore the advantages of collaborating with a Georgia-based employee benefits broker by discussing your unique requirements with a BIS Benefits professional.
Request a Quote and let our dedicated team assist you in making well-informed and advantageous decisions for your business.

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Business Insurance FAQs

  • How much does commercial insurance cost in Georgia?

    The cost of commercial insurance depends on the company’s operations. If they are exposed to high risk operations, the premium cost is higher. Premiums can range anywhere from $100 to hundreds of thousands of dollars depending on the company’s exposures.

  • What are the most common types of business insurance?

  • What is the most important insurance for a business to have?

    General liability and workers' compensation insurance are the most important since these protect against the most common and potentially costly risks (financial loss coverage for your business and work-related illness and injury coverage for your employees, respectively).

  • How should the size of my business affect how much I budget for business insurance?

    The cost of commercial insurance depends on the company’s operations. If they are exposed to high-risk operations, the premium cost will be higher whether the company is small, medium, or large. 

  • Where can I find the recommended insurance for companies in my industry?

    You can call one of our licensed insurance agents for guidance on which insurance companies best suit your industry needs.

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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!

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