Georgia General Liability Insurance
Running a business in Georgia—whether it's a small non-profit in Savannah, a church in Atlanta, or a synagogue in Augusta—comes with its share of risks. One of the most critical forms of protection you can have is general liability insurance. This essential coverage shields your business from a range of common lawsuits and helps you stay compliant with local laws and client requirements.
In this article, we’ll break down what general liability insurance is, why it’s important in Georgia, what it typically covers, and how to get the right policy for your business.
General Liability coverage for Georgia businesses
General liability insurance is a type of commercial insurance that protects your business from financial loss due to:
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Bodily injury to a third party (non-employees)
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Property damage caused by your business operations
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Personal and advertising injury, such as libel, slander, or copyright infringement
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Legal defense costs and settlements or judgments
This insurance is foundational for any business, as even a single lawsuit can result in significant legal and financial burdens.
Why Is General Liability Insurance Important in Georgia?
Georgia, like many states, does not require general liability insurance for most types of businesses by law. However, it is often required by landlords, clients, or contractors before they’ll sign a lease or contract with your church or non-profit.
Here’s why it’s especially relevant in Georgia:
1. Litigation Risk
Georgia is not a stranger to civil lawsuits, especially in sectors like construction, retail, hospitality, and healthcare. General liability coverage protects you from out-of-pocket legal costs.
2. Business Licensing and Permits
Some professional licenses or permits in Georgia (especially in construction and trades) may require proof of liability coverage.
3. Client Contracts
Many corporate or government clients will only work with vendors who have active liability insurance to reduce their own risk exposure.
What It Doesn’t Cover
General liability insurance does not cover:
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Employee injuries (covered by workers' compensation)
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Professional errors (covered by professional liability insurance)
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Damage to your own property or tools
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Auto accidents (covered by commercial auto insurance)
Even though general liability insurance isn't legally required for all businesses in Georgia, it's a smart investment in your company’s stability and reputation. It not only protects you from the unexpected but also builds trust with clients and partners. With the right coverage, you can focus on growing your business—knowing you're protected from some of the most common and costly risks.
Contact Brand & Britt Church & Nonprofit Insurance today to speak with one of our trusted agents about your Georgia General Liability insurance & answer any questions you may have and provide you with a General Liability quote.
