What insurance does a Georgia contractor need beyond basic GL?

Georgia construction contractors typically need a combination of: general liability (required by most GC contracts and state licensing), commercial auto (any company or employee vehicles), contractors tools and equipment / inland marine (for equipment on job sites), builder's risk (for projects under construction), and workers compensation (required at 3+ employees). Larger GC contracts add requirements for umbrella, professional liability (if design-build), and performance/payment bonds. We coordinate the full contractor insurance package and confirm limits match contract requirements before binding.