Get in touch
+44 1632 96099
mymail@mailservice.com
General Liability Insurance in Georgia
General Liability Insurance for Georgia Businesses
A general liability insurance policy protects your business from claims of 3rd party bodily injury, property damage, reputational harm, advertising injury or damages to premises rented to you that can arise during normal business operations. This insurance can help protect businesses from the financial losses that can result from lawsuits, legal fees, and damages awarded to claimants. It can also provide coverage for medical expenses, personal injury claims, and advertising injury claims. Many Georgia based businesses, especially those with a high risk of liability, such as construction companies or manufacturers, are required to carry general liability insurance as a condition of doing business. Let BIS Benefits help determine what your business needs!
What Does General Liability Insurance Cover?
Bodily Injury
If someone who is not an employee is injured on your business premises or as a result of your business operations, general liability insurance can cover medical expenses, legal fees, and damages if you are found liable.
Property Damage
General liability coverage applies to damage caused to someone else's property due to your business operations. It can include repairing or replacing damaged property.
Reputational Harm
General liability insurance plans extend coverage to include claims related to malicious prosecution, slander, libel, wrongful eviction, and breaches of individuals' privacy, safeguarding your business's reputation and integrity.
Advertising Injury
If your advertising efforts, such as copyright infringement or false advertising, result in a lawsuit, general liability insurance can provide coverage for legal defense and any damages awarded.
Also looking for Product Liability Insurance?
While some insurance providers may sell this coverage separately, other can incorporate product liability insurance seamlessly into your general liability insurance plan, ensuring you're fully protected without the hassle of multiple policies. BIS is here to assist you with finding the right insurance coverage for your needs!
How Are Product & General Liability Different?
Product liability insurance and general liability insurance serve distinct purposes in the world of business insurance. General liability insurance offers broad protection against various third-party claims, encompassing scenarios like slip-and-fall accidents and advertising disputes. On the other hand, product liability insurance hones in on the risks associated with the products you manufacture, distribute, or sell, covering issues like manufacturing defects, design flaws, and injuries resulting from your products. While general liability provides a foundational level of coverage, businesses dealing with products often find it essential to complement their coverage with product liability insurance to address specific product-related risks comprehensively.
Three Reasons To Choose BIS
Hand's On Team
Personal Insight, Cutting Edge Technology, and Coverage Expertise from Professional Insurance Industry Experts.
Industry Experts
Knowledgeable in All the Markets, Representing All Major Carriers - We Shop, You Save
Excellent Customer Service
Quick Response, Five Star Rated, BBB Credited, Best Customer Service in the Industry
Request a Free Quote Today
Allow BIS to aggressively shop the market to get you the most competitive rates.
Is General Liability Insurance Required in Georgia?
General liability insurance, which is also sometimes referred to as commercial general liability coverage, is designed to help with costs that your Georgia small business may incur as the result of things like slip-and-fall injuries or damage to someone else's property. It's also helpful in the event that you're ever accused of libel or slander against another organization or individual.
General liability insurance is not expressly required in the state of Georgia. But while there is no law in place that requires you to get it, it's still a good idea for a variety of reasons. Making sure that you have the right type of coverage will require you to keep a few important things in mind.
Advantages of Commercial General Liability Insurance
The major advantage of commercial general liability insurance is that it protects your Georgia small business from financial risks you’re likely to face regularly.
If you or an employee accidentally or negligently cause damage to someone else’s property, you won’t have to cover the costs yourself. This insurance can also help you gain new clients, as having proof of coverage reassures them of protection against potential accidents. For example, general contractors can offer clients peace of mind, knowing they won’t be left financially vulnerable if something goes wrong during a job, increasing their confidence in doing business with you.
Businesses That Can Benefit from General Liability Insurance
Truly, there is no type of business that cannot benefit from general liability insurance to some degree. All organizations face a certain amount of risk on a daily basis. Even if you only have a small number of clients come into your office, someone might still slip and fall. The healthcare-related costs alone could be too much to handle, which is where general liability insurance would snap into action.
But general liability insurance in Georgia is especially helpful if you're an aforementioned general contractor, are a house cleaner, or are anyone else who performs work at a location you do not own.
How Much is General Liability Insurance in Georgia?
The amount you'll pay for commercial general liability insurance Georgia coverage will vary depending on a number of factors, including the type of business you're running and the number of employees you have. Generally speaking, most organizations can expect to pay around $40 per month, or $500 or so every year.
If you'd like to find out more information about your general liability insurance Georgia options, or if you have any additional questions that you'd like to discuss with someone in a bit more detail, please don't delay - contact BIS Benefits today.
Our Carriers
All the top-rated carriers in Georgia including Selective, Hanover, Travelers, Hartford, Nationwide, Chubb, Liberty Mutual, and more.
Where We Work
BIS Benefits works with companies all around the state of Georgia, below are some of the cities our clients are located in:
Interested in our benefits?
Contact Us for a Free Quote
Business Insurance, Group Plans, and Employee Benefits? We're here to help! Our team is friendly, knowledgeable - and ready to answer your questions or put together a custom quote for your exact requirements. Contact us today!
General Liability - Contact Form
