Contractors’ insurance protects against the financial risks present at all stages of business operations.
If you are in the business of contracting, you are in the business of risk. The general rule of thumb is that the greater the risk, the greater the reward, making the Georgia construction industry highly profitable for successful risk-takers. With safety hazards, theft, labor shortages, and increased material cost as repeat risk offenders, one unexpected incident can financially devastate a small business owner not adequately covered against third-party injury or property damage.
A formidable package of commercial insurance coverages will safeguard against the common perils involved with normal business operations.
Business owners are encouraged to visit Georgia Secretary of State to review rules, regulations, required fees, and documentation before commencing operations.
With excellent service you can count on, our licensed experts are on standby to assist Georgia contractors with affordable coverage options that fit your budget and business needs.
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 contractors’ general liability insurance provides essential coverage for:
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:
For specific employer coverage requirements, please visit the Georgia State Board of Workers Compensation to review Georgia contractors’ workers’ comp rules and regulations.
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.
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:
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:
A Georgia contractors’ inland marine policy provides specialty coverage for “installation” and “builders” risks, vandalism, and damaged leased or rented equipment.