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Georgia Small Business Insurance 

Building a business requires patience, hard work, and strategy. Regardless of what type of business you're running, you've put much time and effort into creating it, so it only makes sense to keep it protected by having the right insurance policies in place. The potentials for lawsuits, injuries, property damage, and other problems could put your business in financial jeopardy. AmVenture has everything you need to secure your business against an array of risks, including Georgia workers' compensation, GA general liability insurance, and other business insurance products.

Small Business Insurance in Georgia

There are multiple business incentives for small business owners in Georgia. Since this state is home to one of the most frequently traveled airports in the nation, conducting business globally is optimum. According to, the state also stands out as one of the leading business climates, and it has ranked as number one for four consecutive years in a row (2013-2016) by Site Selection Magazine. With the state's low corporate tax rate of 6 percent, small businesses find the ability to grow steadily and strategically while keeping costs at a minimum. Additionally, Georgia provides business owners with tax credits for hiring employees and much more. It's no wonder that some of the largest Fortune 500 companies choose to start their businesses here.

There are businesses of all sizes in Georgia, but according to the SBA's 2016 Georgia Small Business Profile, there are nearly 1,000,000 small businesses currently operating in the state, which account for almost 98% of all the state's businesses. And, each small business in the state has unique risks and insurance requirements.

Georgia Workers' Comp Insurance

As a business owner, your employees' safety is paramount. If an accident happens, you could be held liable for the costs of medical bills, rehabilitation expenses, and replacement income. That's where workers' compensation insurance kicks in. With this protection, if an employee becomes injured and draws on benefits, your business can have immunity in the of a lawsuit regarding the injury. It also covers expenses related to a workplace accident or injury, and the state of Georgia requires all businesses with three or more employees to carry coverage.

Liability Insurance in Georgia

Also referred to as commercial general business liability, this type of policy generally provides coverage for:

  • Claims of copyright infringement, slander, false advertising, and defamation
  • Legal fees that stem from lawsuits that are filed against you
  • Medical costs for an individual who becomes injured at your business premise
  • Property damage or injuries caused by your company

You can purchase liability insurance on its own, but many business owners opt to include the policy as part of a Business Owner's Policy plan that combines general liability and property insurance into a single policy. A Georgia BOP includes the advantage of having adequate liability coverage secured in addition to coverage for your building.

How Much Coverage Do I Need?

No two businesses are the same, so the amount of coverage you need will greatly depend on the type of business you conduct as well as the specific perceived risks you face. For example, due to the labor-intensive nature of their line of work, general contractors may need more general liability coverage than an IT consultant. Your actual business location is also a factor, along with how many employees you have. Depending on the unique nature of your business, other types of common insurance policies to consider implementing into your business protection plan include:

  • Professional liability insurance
  • Commercial auto insurance
  • State disability insurance

Where Can I Find Additional Information about Small Business Insurance in Georgia?

AmVenture Insurance Agency, Inc. can help you find small business insurance coverage for your business in Georgia - and we can show you how to prepare for even unforeseen risks by tailoring a plan that's designed to help safeguard your business. When you work with one of our agents, you can have peace of mind knowing that you have worked with professionals who focus on small businesses like yours. Request your free quote today.

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