General Contractor Insurance in Georgia
Business Insurance Solutions for General Contractors
In Georgia, the term "general contractor" is actually a lot broader than people realize. Each general contractor will be unique, possessing unique specialties and even responsibilities for things like equipment and building materials.
Because of that, there is no "one size fits all" approach when it comes to
business insurance solutions for general contractors. Only by understanding the intricacies of the different policy types will you be able to make the most informed decision possible regarding what type of coverage you need.
Does General Contractor Insurance Cover Subcontractors?
Typically, general contractor insurance in the state of Georgia does not cover subcontractors. This is because, by their nature, they are not permanent employees. If you do hire subcontractors, you'll want to verify that they have their own insurance before they begin work on a job.
If you're interested in learning even more about general contractor
insurance in Georgia, or to make sure that everything you've worked so hard to build is properly covered from a risk perspective, please don't delay -
contact the team at BIS Benefits today.
What Insurance Coverages Should an General Contractor Have?
Any business owner operating in Georgia with three or more employees needs to carry worker's compensation insurance no matter what. This will help protect employees in the event that they are injured or get sick while on-the-job.
In Georgia, this is the foundation of every general contractor's protection. It covers the costs to not only a client's property, but also issues like bodily injury, and even libel as well.
As the name implies, this will help cover the cost to repair or replace the essential tools and other equipment that you need to perform your work as a general contractor.
This is a type of policy that will protect a general contractor for damages or lawsuit costs associated with a situation where you're accused of making errors in your work or failing to complete a project.
For general contractors, this will bring together both business property and liability insurance into one policy to make it easier to maintain over time..

This helps to protect a general contractor from certain types of property damage. It helps to insure a structure like a home or commercial property while it is actively under construction.
Some types of licenses in Georgia, with electrician and plumbing licenses being two examples, require surety bonds. This will reimburse your client if you fail to fulfill the terms of your contract.
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How Much Does General Contractors Insurance Cost?
The amount you'll pay for general contractor's insurance in Georgia will vary depending on a number of factors. Not only will the kind of work you do impact the price, but also where you perform that work, how many employees you have, and even the total number of vehicles you have for your business.
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:
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