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HOME BUSINESS INSURANCE · GEORGIA

Home business insurance for Georgia sole proprietors.

About 16 million Americans operate businesses from home. A standard homeowners policy excludes business property above a low threshold and provides no business liability coverage at all. If you run any commercial activity from your home you need a separate business policy or endorsement.

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WHAT'S COVERED

What home business insurance covers

Business Personal Property

Covers business equipment, inventory, and supplies against theft, fire, and certain other perils. Standard homeowners policies cap business property coverage at $2,500.

General Liability

Pays if a client, vendor, or delivery person is injured at your home office or if you damage a client's property.

Professional Liability (E&O)

Covers you if a client claims your work caused them financial harm. Critical for consultants, designers, and service providers.

IMPORTANT LIMITATIONS

What a home business policy does not cover

Employee injuries

Workers comp is required in Georgia once you have three or more employees, including part-time. Your homeowners policy provides zero coverage for employee injuries.

Professional errors and advice

Professional advice, errors, and omissions are excluded from general liability. A separate E&O policy is required.

Commercial auto use

Business vehicles used primarily for business purposes require a commercial auto policy.

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.

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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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GET STARTED

Running a business from home? Your homeowners policy probably doesn't cover it.

Most home-based business owners are relying on their homeowners policy to cover business equipment and liability. It doesn't. Send us your business details and we will close the gap.

$450 to $1,800 per year for Georgia home-based businesses

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