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HOME BUSINESS INSURANCE · GEORGIA

Georgia home business insurance for real operations run out of the home.

A homeowners policy covers incidental hobby-level business activity and very little else. A real home-based business needs a Business Owners Policy or a home business endorsement. Choosing the right product depends on revenue, liability exposure, employees, and foot traffic.

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WHAT'S COVERED

How Georgia home business coverage works

Business Endorsement

An add-on to homeowners that adds liability and limited business property for low-risk operations (tutoring, online sales).

Business Owners Policy

BOP combines commercial property (equipment, inventory) with general liability. Right for most home businesses with revenue.

Professional Liability

E&O for consultants, designers, accountants, and therapists. Covers financial harm from professional advice or services.

Cyber Liability

Covers data breach response, ransomware, and customer notification costs. Important for any business handling client data.

Business Endorsement

An add-on to homeowners that adds liability and limited business property for low-risk operations (tutoring, online sales).

Business Owners Policy

BOP combines commercial property (equipment, inventory) with general liability. Right for most home businesses with revenue.

Professional Liability

E&O for consultants, designers, accountants, and therapists. Covers financial harm from professional advice or services.

Cyber Liability

Covers data breach response, ransomware, and customer notification costs. Important for any business handling client data.

IMPORTANT LIMITATIONS

What home business coverage does not cover

Commercial auto use

Using a personal vehicle for business deliveries, client transport, or frequent business mileage needs a commercial auto policy or a business-use endorsement. Personal auto will deny a business-use claim.

Employees without workers comp

If you have any employees (including a 1099 worker treated as an employee), Georgia workers comp law generally requires coverage at 3 or more employees. Below that, it is strongly recommended for any injury exposure.

High-hazard operations

Manufacturing, welding, heavy fabrication, and food service from the home are generally outside home business product appetite. These need standalone commercial coverage.

Client visits without disclosure

Clients coming to your home for paid services increases premises liability. The carrier needs to know. Undisclosed client visits are a common reason for claim denial at the time of loss.

IMPORTANT LIMITATIONS

What home business coverage does not cover

Commercial auto use

Using a personal vehicle for business deliveries, client transport, or frequent business mileage needs a commercial auto policy or a business-use endorsement. Personal auto will deny a business-use claim.

Employees without workers comp

If you have any employees (including a 1099 worker treated as an employee), Georgia workers comp law generally requires coverage at 3 or more employees. Below that, it is strongly recommended for any injury exposure.

High-hazard operations

Manufacturing, welding, heavy fabrication, and food service from the home are generally outside home business product appetite. These need standalone commercial coverage.

Client visits without disclosure

Clients coming to your home for paid services increases premises liability. The carrier needs to know. Undisclosed client visits are a common reason for claim denial at the time of loss.

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.

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

Tell us what you do, who your clients are, and where you work. We will place it.

Send a short description of the business, annual revenue, whether clients visit, any employees, and any current policies. We will recommend either a homeowners endorsement or a BOP and quote it.

Roughly $250 to $1,200 per year for most home businesses

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