Olive Insurance Services, LLC (dba Olive Cover) is a licensed Georgia property and casualty insurance agency headquartered in Johns Creek. We serve families and businesses across all 159 Georgia counties, from the North Georgia mountains to coastal Savannah and the Augusta metro. As an independent agent, we compare coverage from multiple top carriers and find the right fit for each client’s situation, geography, and risk profile. We do not work for any one carrier. We work for you.
What auto insurance does Georgia law require?
Georgia law sets minimum auto insurance limits under O.C.G.A. 33-34-4: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage. This is the 25/50/25 standard. These limits represent the legal floor, not a recommended target. A single emergency room visit after a serious accident can exceed $25,000 on its own, so many Georgia drivers carry higher limits.
Georgia also requires uninsured motorist coverage, though drivers may reject it in writing. Carrying uninsured motorist protection covers you when the at-fault driver has no policy or carries insufficient limits to pay your damages.
For example, a driver in Macon is rear-ended at a red light by a driver who carries no insurance. Without uninsured motorist coverage on their own policy, the injured driver has no insurance source to pay medical bills or lost wages from the other party’s insurer.
What homeowners coverage do Georgia families typically carry?
Most Georgia homeowners are insured under an HO-3 policy, which covers the structure on an open-peril basis and personal property on a named-peril basis. The HO-3 is the standard form for owner-occupied single-family homes across the state.
Georgia’s geography creates distinct risks by region. North Georgia, including the Metro Atlanta suburbs, Cherokee, and Forsyth counties, sees frequent hail and wind events. Carriers in these areas track roof age closely. A roof over 15 years old can trigger exclusions or actual cash value settlement instead of replacement cost for wind and hail damage. Coastal Georgia near Brunswick and Savannah faces hurricane wind exposure. Statewide, tornadoes occur in every season, with spring and fall bringing the highest frequency.
Flood damage is excluded from every standard homeowners policy in Georgia. Separate flood coverage is available through the NFIP or private flood carriers. Properties in designated flood zones along the Chattahoochee, Oconee, or Altamaha rivers, and in tidal areas near the coast, face mandatory flood coverage requirements from mortgage lenders.
Ordinance or law coverage is often missed in Georgia. After a major storm, local building codes may require upgrades to electrical, plumbing, or structural systems that were legal when the home was built. Without this coverage, the cost of bringing a partially damaged home up to current code falls on the homeowner.
An umbrella insurance policy adds a layer of liability protection above the limits on home and auto policies. In Georgia, umbrella policies typically start at $1 million in additional coverage.
What are Georgia’s workers compensation requirements for businesses?
Under O.C.G.A. 34-9-2, Georgia employers with three or more employees are required to carry workers compensation insurance. This threshold dropped from five employees to three on January 1, 2026. A business that employs three or more people, including part-time employees in many cases, must have coverage in place or face state penalties and personal liability exposure.
For example, a landscaping company in Cumming with two full-time crew members and a part-time office administrator crosses the three-employee threshold and is required to carry workers compensation under the updated Georgia statute.
What commercial coverage do Georgia businesses need?
Most Georgia businesses need at minimum: general liability, commercial auto if vehicles are used in operations, and workers compensation if they meet the employee threshold. Professional service firms also need errors and omissions (E&O) coverage. Companies with boards, investors, or significant employee headcount face management liability exposure, including directors and officers and employment practices liability (EPL).
Cyber exposure is a primary concern for Georgia businesses of all sizes. A cyber liability policy covers breach response costs, notification expenses, regulatory defense, and business interruption from a network attack. Georgia’s data breach notification law (O.C.G.A. 10-1-912) sets specific requirements for notifying affected Georgia residents after a breach, which drives significant response costs even for small incidents.
Businesses with employees who drive personal or rented vehicles for work face hired and non-owned auto (HNOA) exposure. A standard general liability policy does not cover vehicle-related injuries. A separate commercial auto or HNOA endorsement is needed.
Why does an independent agency matter for Georgia insurance?
An independent agency compares rates and coverage terms across multiple carriers rather than representing a single company. In Georgia, where property risk varies sharply by county, roof age, and local weather history, no single carrier is most competitive for every home or business. An independent agency can place a North Atlanta homeowner with the carrier that prices well for their roof type, a coastal property owner with a carrier that still offers full wind coverage, and a small Atlanta business with a commercial package that matches its specific industry class.
Olive Cover is the consumer brand of Olive Insurance Services, LLC, an independent property and casualty agency licensed in Georgia. We are not captive to any single carrier. Families and businesses across all 159 Georgia counties can reach us for a coverage review that compares options side by side.
Schedule a free coverage review to compare your Georgia insurance options across carriers.