A couple of minutes can save you up to 65% or more
with Georgia’s top contractors' insurance programs –
Contractors
Insurance
Georgia
Georgia
Contractors Insurance
Stop overpaying for coverage in the Peach State!
A couple of minutes can save you up to 65% or more with Georgia’s top contractors’ insurance programs –
Coverage for Georgia Contractors
As Georgia's ultimate source for discount Contractors' Insurance, our network of A-rated construction programs offers fiercely competitive rates with excellent service, all bundled into one –
What is Georgia Contractors’ Insurance?
It’s your shield against financial risks at every stage of your business operations. Georgia contractors’ insurance offers comprehensive protection, ensuring you’re safeguarded in all situations and providing you with the peace of mind you need to focus on growing your business.
Why Do I Need It?
If you’re in the contracting business, you’re in the business of risk. The general rule of thumb is that higher risks bring higher rewards, making Georgia’s construction industry highly profitable for successful risk-takers. However, with safety hazards, theft, labor shortages, and rising material costs as frequent challenges, one unexpected incident can financially devastate a small business owner not adequately covered against third-party injury or property damage.
A robust package of commercial insurance coverages will protect against the common perils involved in daily business operations.
Protect Against the Unpredictable
Before starting operations, business owners are encouraged to visit the Georgia Secretary of State to review the rules, regulations, required fees, and documentation, which may provide valuable insights into the legal requirements and potential risks in the construction industry.
Our licensed experts, committed to providing excellent service, are on standby to help Georgia contractors find affordable coverage options that meet both their budget and business needs. With our expertise, you can be confident that you’re getting the best possible coverage.
Our Recommended Products
General Liability
General Liability
Georgia contractors’ general liability lays the foundation for a well-planned business insurance portfolio.
A Georgia contractors’ business liability policy, also known as Georgia contractor general liability insurance — safeguards construction companies from third-party injury and property damage claims caused by day-to-day business operations or products.
Georgia contractor liability insurance provides essential coverage for the following, ensuring that you’re protected in a wide range of situations:
- Liability Resulting from Bodily Injury
- Liability Resulting from Property Damage
- Liability Assumed Under a Contract
- Products-Completed Operations
- Defense Expenses
- Additional Coverage Options
Workers' Comp
Workers' Comp
Georgia contractors’ workers’ compensation is a benefits program created to provide medical, rehabilitation, income, death, and other benefits to employees due to injuries, illnesses, and death resulting from a compensable work-related claim covered by the law.
Georgia employees with work-related injuries may be entitled to Georgia contractors’ workers’ compensation:
- Medical Benefits
- Disability Benefits
- Death Benefits
For specific employer coverage requirements, please visit the Georgia State Board of Workers Compensation to review Georgia contractors’ workers’ comp rules and regulations.
Surety Bonds
Surety Bonds
A Georgia contractor license bond provides a financial guarantee for a city, county, or state licensing department that licensees will abide by the license terms.
Similar to a business line of credit, a Georgia contractors’ surety bond is a consumer protection product against potential default or failure to satisfy contractual obligations.
Large projects and government organizations (public works) may require contractors to post a Georgia contractors’ surety bond before bidding on a project.
Commercial Auto
Commercial Auto
Georgia contractors’ commercial auto insurance protects your vehicles if your construction business or a covered driver is liable for an at-fault accident or damage caused by an accident, theft, or vandalism.
Georgia contractors’ commercial auto insurance can provide up to $1 million in combined single limits, hired and non-owned auto liability, no limits on the number of vehicles or drivers, and other forms not available on a standard personal auto policy.
Georgia contractors’ commercial auto insurance provides coverage for:
- Property Damage
- Bodily Injury
- Comprehensive Loss
- Collision Loss
- And More
Inland Marine
Inland Marine
Georgia contractors’ inland marine insurance provides all-risk property coverage for business products, tools, and equipment at a job site, in transit, or stored at an off-site location.
Also known as Georgia contractor tool and equipment insurance, a Georgia contractors’ inland marine policy reimburses your business for such common perils:
- Theft
- Wind
- Hail
- Fire
- Water
A Georgia contractors’ inland marine policy provides specialty coverage for “installation” and “builders” risks, vandalism, and damaged leased or rented equipment.
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