Georgia Insurance: All Your Needs in One Place

Home insurance in Georgia protects you when fires, severe weather, or other disasters strike. A home insurance policy contains dwelling coverage, which pays for repairing the physical structure of your home. It also includes contents coverage, which pays for repairing or replacing lost or damaged personal property (e.g., furniture, clothing, etc.) after a covered event. 

In addition to covering property losses, home insurance in Georgia provides liability coverage. If someone gets hurt on your property or your child or pet causes an injury or property damage, you may need to pay for the injured party's property repairs or medical bills. What's more, you could be sued and face extensive legal costs to defend yourself or settle the issue. Liability insurance covers the injured party’s expenses and many of your legal costs if you’re sued. 

A local independent insurance agent can help you learn more about homeowners insurance in Georgia. 

If you own a vehicle in Georgia, you are required to purchase car insurance. You must have the following minimum coverage in order to comply with the car insurance requirements in Georgia:

• Bodily liability coverage: $25,000 per person and $50,000 per incident
• Property damage liability coverage: $25,000 per incident

Bodily injury liability insurance covers you if you are at fault in an accident and someone other than yourself is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault. 

You can include several other types of coverage in your car insurance in Georgia, although they are not required. These include uninsured/underinsured motorist coverage, medical payments/personal injury protection, collision insurance, comprehensive insurance, gap insurance, towing and roadside assistance, rental car reimbursement, and more. 

Contact an independent auto insurance agent near you for car insurance in Georgia. 

No matter what kind of business you’re in, you can experience an unexpected fire, a break-in, or a weather event that damages your commercial property. 

And if you’re accused of harming someone else or damaging someone’s property as a result of your operations or your products, you can be expected to pay for property damage and medical expenses for the injured parties. It’s also quite common for businesses to be sued in these instances.

Business insurance in Georgia covers these kinds of problems, and more. The policies and the amount of coverage you need depend on the type of business you’re in and the value of your inventory and assets. Most business owners in Georgia will need business property insurance and general liability insurance at a minimum in order to properly protect their assets. 

In addition, if your business owns any vehicles or if you drive your personal vehicle for business purposes, you are required by law to purchase commercial vehicle insurance in Georgia.

And if you have employees, Georgia law requires you to purchase workers’ compensation insurance that protects workers who are injured on the job. 

Contact an independent business insurance agent in Georgia for the coverage you need. 

The workers’ compensation insurance laws in Georgia outline the responsibility of employers to provide prompt medical and disability benefits for injuries sustained on the job by workers. In return, employees cannot sue employers for additional damages or benefits that are not provided under a workers’ compensation insurance policy. 

Employers with three or more full-time or part-time employees are required to obtain workers’ compensation insurance in Georgia. Employers with less than three employees may still be held liable to pay claims associated with injured workers. According to the workers’ compensation laws in Georgia, an employee is defined as every person, including minors, working full-time or part-time under a contract of hire, written or implied. 

Sole proprietors, partners, corporate officers, LLC members, and contractors have specific rules for workers’ compensation insurance in Georgia. It’s best to work with an independent insurance agent who can help you learn more about how the workers’ compensation laws in Georgia affect your business. 

The cost of restaurant insurance in Georgia depends on the types of insurance policies you need, the unique risks your restaurant faces, the value of your inventory and equipment, and other factors like your location, number of employees, and the size of your establishment. 

An independent agent can work with you one-on-one to determine the types and amounts of restaurant insurance you need in Georgia. You’re likely to need commercial property insurance, business interruption insurance, and general liability insurance at a minimum. The following types of restaurant insurance policies are also common:

• Commercial vehicle insurance 
• Equipment breakdown coverage 
• Contamination and spoilage coverage
• Crime coverage
• Liquor liability insurance
• Workers’ compensation insurance

If your business qualifies, you may be able to purchase a business owners policy (BOP), which combines commercial property coverage, commercial liability coverage, and business interruption coverage into one affordable package policy designed for small businesses. 

It’s a good idea to work with an independent insurance agent in Georgia to help you find the best restaurant insurance. 

Businesses that own vehicles need commercial vehicle coverage in Georgia just like individuals need car insurance for their personal vehicles. Commercial vehicle insurance in Georgia covers cars, trucks, and any other vehicles used in business operations.  

The minimum commercial vehicle insurance requirements in Georgia are as follows: 

• Bodily liability coverage: $25,000 per person and $50,000 per incident
• Property damage liability coverage: $25,000 per incident

Each of your business-owned vehicles must have this level of coverage, at a minimum. Certain large vehicles, those that carry hazardous materials, and those that participate in interstate commerce may be required to carry higher liability limits. 

Several types of optional coverage are also available for your commercial vehicles, including comprehensive insurance, collision insurance, uninsured/underinsured motorist coverage, and more.

Contact an independent insurance agent in Georgia to learn more about your commercial vehicle insurance options. 

While it is not required, there are many reasons to have umbrella insurance in Georgia. 

Umbrella insurance in Georgia offers extra liability insurance (the insurance coverage in your home insurance and car insurance that covers property damage and injuries that you cause) if the limits on those policies are exhausted from a large lawsuit. 

Not everyone needs umbrella insurance in Georgia, but certain lifestyle factors or having a certain amount of assets can increase your likelihood of being sued. You might be more likely to be sued if you:

• Own a home
• Own a rental property
• Have a trampoline, pool, or hot tub
• Host large parties
• Have a teenage driver
• Own a dog
• Own a large home

Anyone with significant assets or an obvious “attractive nuisance” (e.g., a pool) should talk to their independent insurance agent about the need for an umbrella policy in Georgia. 

Renters insurance is not required in Georgia, but some landlords may require it as a condition of your lease. No matter what, renters insurance is a vitally important way to protect yourself and your belongings. 

Renters insurance is an affordable way to minimize your financial losses if you experience a fire, a burglary, or some other type of event that damages your personal property. The average renters insurance policy in Georgia costs just $219 per year. That’s less than $19 per month to provide peace of mind. 

Talk to a local independent insurance agent to find renters insurance in Georgia.

Life insurance in Georgia is a vital part of your long-term financial plan and a way to offer you and your family peace of mind should the worst happen. 

The proceeds from a life insurance policy make cash available to support your family almost immediately upon your death. It gives your loved ones time to grieve, helps pay off debts and loans that you leave behind, and provides your remaining family members with financial stability after you are gone. 

Life insurance is also very personal. Contact an independent insurance agent to learn more about the life insurance options available to you in Georgia.

Searching for the best and most affordable insurance products can be frustrating and confusing. That’s why it pays to have an experienced insurance professional in your corner.

Instead of getting an online quote, find an independent insurance agent in Georgia now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.  

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.