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Understanding General Contractor Insurance in Georgia for Your Construction Business

Operating a construction business exposes contractors to substantial risks and liabilities.
Lawsuits, accidents, property damage, and employee injuries can all financially devastate an uninsured contracting business in Georgia.
What happens if a contractor causes accidental fire damage to a client’s home? Who pays for the costly repairs if they lack sufficient insurance?
What if a framer falls off scaffolding on a jobsite and fractures several vertebrae? Who will cover their lost wages and medical bills without workers’ compensation?
What if a roofing supplier’s box truck gets rear-ended by a contractor’s pickup while delivering shingles? Does the contractor’s personal auto insurance cover the commercial vehicle?
Imagine a customer sues you for poor workmanship after their flooring installation job goes awry.
Who pays the high legal defense fees minus insurance for general contractors?
The answer to all these questions is that a contractor pays massive out-of-pocket costs if they lack adequate contractor business insurance policies.
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Table of Contents
Types of Insurance for Contractors in Georgia
What is your insurance need in Georgia?
As a contractor in Georgia, it’s essential to understand the major forms of insurance that can protect your business moving forward.
General liability coverage, which shields against third-party property damage and bodily injury claims, is vital for any construction business.
This specific insurance can help pay legal fees and judgments on liability resulting from situations including:
- A plumbing leak inside a client’s home that warps their floors
- An HVAC technician accidentally knocked out power to other units in an apartment building
- A customer slipping on an icy sidewalk outside a contractor’s shop
Typically, insurance will cover you in such times, with policy limits starting at $500k and extending into the millions depending on project size and risk factors.
This type of insurance can cover places of business like office buildings, warehouses, and contractor yards.
Builder’s risk insurance is required to insure home buildings or commercial projects under construction against storm damage and other threats.
Also known as errors and omissions insurance, this type of liability insurance covers architects, engineers, and design/build firms against flawed plan claims.
Construction companies owning one or more vehicles for business need commercial auto coverage in Georgia.
This type of business insurance for contractors works similarly to personal auto insurance but offers higher liability limits and follows vehicles used for business purposes regardless of who’s driving.
Commercial auto insurance covers business vehicles. Your personal vehicles used for business are also included.
Commercial auto insurance protects general contractors in Georgia in the event of:
- Vehicle accidents involving a general contractor’s truck carrying tools between jobs.
- An at-fault collision with a company car driven by a project supervisor.
- Theft overnight of vans loaded with expensive equipment.
Vehicle insurance is one of the crucial business insurance requirements for contractors.
Georgia law requires all contractors with three or more employees to carry workers’ compensation insurance, including part-time staff.
It offers essential protection if workers get injured by covering lost income, medical bills, rehabilitation services, and long-term benefits.
Workers’ compensation insurance in Georgia is mandatory for contractors with more than three employees, including subcontractors. However, certain exemptions exist for sole proprietors.
Typical examples where workers’ compensation insurance protects Georgia contractors and workers include:
- A roofer falling off a ladder on a job site
- An electrician suffering electrical burns while rewiring a home
- A back injury sustained moving heavy equipment
Not carrying legally mandated workers’ compensation exposes general contractor business owners to hefty fines while leaving employees vulnerable if no alternative medical coverage exists.

Optional Insurance Coverages in the State of Georgia
All general contractor licenses in Georgia require applicants to purchase and submit proof of liability insurance.
Besides, contractors in Georgia must meet state law requirements and need insurance for workers.
When shopping for insurance, residential and general contractors need to consider the following types of insurance as well:
Surety Bonds – Required by law with licensing depending on your construction specialty. You may require a Georgia contractor license bond before beginning a project.
Inland Marine Insurance – This insurance provides protection for expensive contractor equipment and tools against theft and damage claims.
Commercial Umbrella Insurance – Extra protection against lawsuits exceeding general liability policy limits.
Tools and equipment insurance -This type of insurance for contractors in Georgia covers movable tools in the event of damage, theft, or loss.
Operating as an uninsured or underinsured contractor in Georgia puts your assets and business dreams in jeopardy.
Partner with licensed Georgia insurance agents at The Allen Thomas Group to ensure you have the right insurance package to weather the storm when the unexpected occurs.
Choosing Appropriate Coverage Limits for Business Owners
How much does general contractor insurance cost?
Skimping on liability limits or deductibles might save a few bucks upfront yet prove devastating if claims exceed caps.
That’s why The Allen Thomas Group advises setting limits based on factors like:
- Project size – Larger builds warrant higher liability limits and subcontractors.
- Number of employees – More staff equals greater workers compensation exposure.
- Equipment values – Insure gear like excavators and lifts to full replacement costs.
- Past losses – Previous claims may justify higher limits when renewing.
- Gross revenues – Added income over time may support increased limits.
- Total assets – Building office space or a contractor yard could necessitate boosting property insurance.
By tailoring coverage amounts to current and projected risk exposures, contractors secure protection aligned with their continuously evolving needs.
Residential-basic contractor and residential-light commercial contractor licenses are ideal for smaller residential projects, while general contractor licenses cater to broader construction needs.
Understanding Exclusions & Gaps in Georgia Contractor Insurance
In addition to appropriate limits, it’s critical for Georgia contractors to review policies for exclusions hidden in the fine print that could leave you uninsured in common claim scenarios:
- Damage to underground utilities is often excluded under a standard general liability insurance policy.
- Most policies won’t cover faulty workmanship claims necessitating products/completed operations coverage.
- Standard worker’s compensation insurance doesn’t include owners and officers who must secure separate policies.
- Normal wear and tear and mechanical breakdowns are often excluded from equipment coverage.
Read the fine print, ask questions, and work with an independent agent to plug potential gaps with policy endorsements and add-ons that expand your protection.
Avoid surprises in the event of a claim!
Securing business insurance in Georgia that shields your construction project assets from risk doesn’t have to be complicated.
The Allen Thomas Group’s licensed insurance agents make it easy to meet state requirements and customize protection for your company’s unique exposures.
As a contractor, you face substantial daily risks on job sites that expose you to massive liability if uninsured.
Going without proper insurance negatively impacts businesses in Georgia in numerous ways, including:
- Unable to bid on many commercial projects lacking coverage
- Failing to meet state licensing insurance minimums
- Struggling to find subcontractors who demand protection
- Losing company assets to damage lacking property policies
Don’t let these pitfalls put your company in jeopardy.
Every Georgia business partners with an independent insurance agent to safeguard their assets and comply with state laws.
Contractor insurance refers to various policies that safeguard construction companies, general contractors, subcontractors, and tradespeople from hazards facing their business.
This blend of targeted coverage protects Georgia contractors from risk exposures that could otherwise sink their business.
Insurance also helps contractors meet state licensing requirements of the Georgia State Licensing Board.
Commercial Insurance Solutions Customized For Georgia Contractors
Yes, Getting A Certificate Of Insurance Is Really That Easy
We know the process of finding the right insurance can be quite frustrating and overwhelming. Undoubtedly, it can affect your ability to take care of your customers, especially when you are waiting for bonds or a Certificate of Liability Insurance.
Let us help fix it for you.

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Partner With an Insurance Specialist for Contractor Policies in Georgia
Navigating the complex world of Georgia contractor insurance regulations and coverage options alone can prove overwhelming.
The easiest way to ensure your assets stay protected while remaining compliant with state laws is by partnering with an independent insurance specialist.
For over 20 years, The Allen Thomas Group has helped all contractors ― general contractors, subcontractors, home builders, HVAC technicians, and electricians ― secure comprehensive yet affordable insurance solutions.
Our agents listen closely to understand your unique risks and guide you to customized packages, saving money while avoiding gaps.
Contact The Allen Thomas Group today to speak with our friendly experts available in Georgia.
We’ll ensure you have the ideal insurance portfolio to operate legally while avoiding the financial pitfalls that come without adequate coverage.
Invest in protection and peace of mind, securing the right type of insurance you need for your business.
FAQs on insurance for Georgia contractors
Get More Insights On Making The Right Insurance Decision For Your Company
Does Georgia require a contractor's license?
Yes, a general contractor license in Georgia is required for anyone performing residential or commercial construction site work exceeding $2,500.
There are different license types based on project type and value. You can find more information on the Georgia State Construction Contractors Board website.
How to check if a contractor is insured and licensed in Georgia?
Using their license number or business name, you can verify if they carry a Georgia general contractor license on the Georgia State Construction Contractors Board website. The website also allows you to confirm if they have any active complaints or disciplinary actions.
Regarding insurance, it’s recommended to ask the contractor directly for proof of insurance or request a certificate of insurance specifying the coverages and limits.
Is insurance for my LLC needed in Georgia?
While Georgia often doesn’t mandate insurance for LLCs, it’s highly recommended for any business, especially those involved in construction or activities with potential liabilities. Insurance protects your assets from business-related risks like lawsuits, accidents, or property damage during Georgia construction activities.
What are the minimum insurance requirements in Georgia?
There are no specific state-mandated minimum requirements for a contractor insurance policy in Georgia.
However, depending on the project type, some government agencies or clients may require specific insurance coverages as part of contracts.
Additionally, some municipalities may have local ordinances requiring certain insurance levels for contractors within their jurisdiction.
Consulting with an independent insurance professional like The Allen Thomas Group is crucial to determining appropriate commercial insurance needs and limits for your contractor business and complying with any relevant contractual or local requirements. Insurance can cover you against potential risks.
Additional Resources and Links for Georgia Contractors Seeking Insurance
Georgia State Construction Contractors Board:
- Website: https://sos.ga.gov/state-licensing-board-residential-and-general-contractors
- Phone: (404) 678-8960
National Association of Home Builders (NAHB):
- Website: https://www.nahb.org/
American Society of Civil Engineers (ASCE):
- Website: https://www.asce.org/
Associated General Contractors of America (AGC):
- Website: https://www.agc.org/
National Federation of Independent Business (NFIB):
- Website: https://www.nfib.com/
Georgia Construction and Contracting Trades Our Insurance Agency Provides Insurance Coverage
- Appliance Repair
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- Plumber
- Roofing Contractor
- Sheet Metal Contractor
- Septic Tank Contractor
- Snow Plowing
- Steel Erectors
- Tile and Stone
- Telecommunications & Equipment Installer
- Utility Contractor
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