- Quotes and policies from ERGO NEXT Insurance
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- 750,000+ small businesses protected by our carrier partner
- Georgia licensed agent, License No. 3941555
- 100% online quote, buy and certificates
- Free to quote. See your price before you buy
Business insurance for Georgia small business owners.
Quote it, buy it and get your certificate online. No calls, no waiting.
- Free to quote. You see the price before you buy.
- General liability, BOP, workers' comp, professional liability and more.
- Download certificates of insurance anytime.
Everything you can get, in plain English
Available policies depend on your type of work and state. The quote tool shows exactly what you qualify for.
General liability
What it covers: Claims that your work or business injured someone or damaged their property, plus certain claims over advertising and reputation.
Who usually needs it: Almost every business that works with customers or at client sites. Clients, landlords and general contractors often require it before you start.
Good to know: It does not cover your own equipment or your employees' injuries.
Business owner's policy (BOP)
What it covers: General liability and commercial property in one policy, for your location, equipment and inventory.
Who usually needs it: Shops, offices, studios, restaurants and anyone who rents or owns a space with valuable contents.
Good to know: Bundling policies can save money, and a landlord may require proof of both.
Workers' compensation
What it covers: Medical costs and lost wages when an employee is hurt on the job, plus employer liability.
Who usually needs it: Businesses with employees. Georgia generally requires it once you have three or more employees, including part time. Ask a professional if you are unsure how this applies to you.
Good to know: Owners and sole proprietors are often not required to cover themselves, but some contracts require it.
Professional liability (E&O)
What it covers: Claims that your advice or service was wrong, late or negligent and cost a client money.
Who usually needs it: Consultants, accountants, real estate professionals, agents and anyone selling expertise instead of a physical product.
Good to know: General liability does not cover these claims, so the two are often bought together.
Umbrella and excess liability
What it covers: Extra liability limits that kick in above your general liability or BOP.
Who usually needs it: Contractors and businesses whose contracts require higher limits than a standard policy provides.
Good to know: It sits on top of an underlying policy, so you need one of those first.
Tools and equipment
What it covers: An add on for general liability that helps cover tools and gear that are damaged or stolen.
Who usually needs it: Trades and mobile businesses that carry equipment from job to job.
Good to know: Check your limits against what your tools would cost to replace.
Commercial auto and personal insurance (auto, home, health) are not available through this quote page. Quotes are for businesses with up to $5M in annual revenue.
Have these handy and you will finish in minutes
You do not need paperwork or a Social Security number to see a price.
Four steps, all online
Everything happens on your schedule, day or night.
Tell us your work
Pick your type of business. Georgia is already selected.
Choose coverage
Select the policies and limits that fit your contracts.
See your price
Review the quote. Nothing is bound until you buy.
Get covered
Pay online and download your certificate of insurance. Get more certificates anytime.
Answers before you start
How long does it take?
Most people finish the online questions in a few minutes. You see your price before you decide to buy.
Do I have to talk to anyone?
No. You can quote, buy, make changes and get certificates of insurance online without a phone call.
What does it cost?
Price depends on your type of work, revenue, payroll, coverage limits and location. The only way to see an exact price is to run a quote, which is free and has no obligation.
Can I get a certificate of insurance the same day?
After you buy, you can download certificates online. This is useful when a client, landlord or general contractor asks for proof of coverage before you start.
My client wants to be listed as an additional insured. Can I do that?
Many clients ask for this. After you buy, you can request certificates online. Check your quote and policy documents for how additional insureds are handled for your policy.
Which businesses qualify?
The carrier covers more than 1,300 types of small business, from solo operators to companies with up to $5M in yearly revenue. If your business is not eligible, the quote tool will tell you.
What if I get declined?
If the carrier cannot offer you a quote, you will see a message right away. You are not charged anything, and you can reach out by email below and we will point you to another option.
Can I change or cancel my policy later?
You can manage your policy online, including updates and certificates. Cancellation and refund rules are in your policy documents, so read them before you buy.
Is this available outside Georgia?
This page is for Georgia businesses.
Who actually issues the policy?
The policy is issued by our carrier partner, ERGO NEXT Insurance. Chay Goins is the Georgia licensed agent on your policy.
Truvelocity LLC, Buford, Georgia. Georgia Resident Agent, License No. 3941555.
Questions that the page does not answer? Email chay@truvelocity.net.