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General Liability Insurance - Georgia Business

General Liability Insurance for Georgia Businesses

General liability is the baseline coverage every Georgia business needs. It protects you when a customer is injured, property is damaged, or someone sues you over your business operations.

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What General Liability Covers

Bodily Injury

Pays medical bills, lost wages, and legal fees if someone is injured on your business premises or because of your operations. One slip and fall without coverage can cost six figures.

Property Damage

Covers damage you cause to someone else's property during your business operations. Contractors and service businesses face this exposure on every job.

Personal and Advertising Injury

Covers claims of libel, slander, copyright infringement, and false advertising. Increasingly relevant as businesses maintain a social media presence.

Products and Completed Operations

Covers injuries and damage caused by products you manufacture, sell, or service after they leave your possession. Also covers liability for completed work after a contractor leaves the job site, common for Georgia contractors and trade businesses.

What General Liability Does Not Cover

Your Own Injuries

GL covers injuries to others, not to you or your employees. Workers compensation covers employee injuries. Health insurance covers your own.

Professional Mistakes

Errors in your professional advice or services are excluded. Professional liability or E&O coverage fills this gap for service businesses.

Intentional Acts

Deliberate damage or injury is excluded. GL is designed for accidents and negligence, not intentional conduct.

Pollution

Pollution liability requires a separate policy. Standard GL excludes most pollution-related claims even for businesses that do not consider themselves polluters.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit for your business.

Commercial Lines

Travelers Commercial

A++ Superior

AM Best A++ commercial carrier with broad multi-line appetite across BOP, GL, workers comp, and cyber for Georgia small to mid-market businesses.

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Commercial Lines - Georgia

Chubb Commercial

A++ Superior

Mid-market and specialty commercial carrier with industry-leading management liability, cyber, and international coverage for Georgia businesses above $5M revenue.

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Commercial Lines - Georgia

Philadelphia

A++ Superior (Tokio Marine Group)

Specialty commercial carrier focused on Georgia nonprofits, religious institutions, habitational, and schools where standard markets have weaker appetite.

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Commercial Lines

Nationwide Commercial

A+ Superior

Fortune 100 commercial carrier with particular strength in agricultural, farm, and rural Georgia small business commercial accounts.

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Commercial Lines

The Hartford Commercial

A+ Superior

Most respected small business commercial carrier with one of the broadest BOP policies available and industry-leading workers comp.

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Commercial Lines - Georgia

Hanover

A Excellent

Independent-agent-only carrier with strong small and mid-market BOP appetite and competitive coverage terms in the $1M to $10M revenue range.

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Commercial Lines - Georgia

Berkley Aspire

A+ Superior (W.R. Berkley Corporation)

E&S commercial carrier for hard-to-place Georgia risks including roofing, demolition, hospitality, and habitational accounts admitted markets decline.

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Commercial Lines - Georgia

CNA

A Excellent

Top mid-market commercial carrier with healthcare professional liability strength and broad appetite across $500K to $50M revenue Georgia accounts.

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Get Your Business Properly Covered

We compare general liability options from multiple A-rated carriers and find the right coverage and limits for your business type and risk profile.

$400 to $2,000 per year

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Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

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Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

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My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

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What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

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