What specialty commercial coverages do Georgia businesses commonly need?

Most Georgia businesses start with a few core policies, but the specialty coverages they actually need depend on what they do, who they serve, and the assets they hold. Beyond the basics of general liability and property, several specialty lines come up again and again for Georgia companies.

• Professional liability for service firms that give advice or perform professional work, covering claims of mistakes or negligence.
• Cyber liability for any business that stores customer data or takes payments online, covering breaches and ransomware.
• Commercial auto for owned vehicles, plus hired and non-owned coverage when employees drive personal cars for work.
• Workers compensation, required in Georgia once you have three or more workers.
• Umbrella coverage to add a layer of liability protection above your other policies.

For example, a 12-person marketing agency in Atlanta might carry general liability and property, then add professional liability in case a campaign error costs a client money, and cyber liability because they hold client logins and credit card data. If a ransomware attack locks their systems, the cyber policy could cover forensic costs, notification, and lost income, expenses that can easily reach $75,000 even for a small firm.

Many of these fit neatly into a business owners policy, while others, like cyber liability, are usually added separately. The right mix is rarely one size fits all. To find the gaps specific to your operation, request a free coverage review and we will map your risks to the right coverages.