Small business insurance in Georgia with Huckleberry insurance

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Small business insurance in Georgia with Huckleberry insurance

Small business insurance in Georgia

Georgia is a great state for entrepreneurship, and is home to 1.6 million small businesses. In fact, small businesses in the Peach State created just over 71,000 jobs in 2016 —and 40,000 of those jobs were created by companies with fewer than 10 employees. All in all, a walloping 43% of private employees in Georgia get their income from a small company. So if you’re a small business owner in Georgia, you’re a major part of the state economy, and you need the best small business insurance to keep your company protected.

Huckleberry can get you covered in about 5 minutes. It’s an online process and the whole thing is super easy (we explain everything in plain English).

The most common types of small business insurance in Georgia

Small business insurance in Georgia with Huckleberry insurance

Workers’ comp pays out to cover your employees if they ever have a health problem because they work for you. It’ll cover medical treatment, rehabilitation, and lost wages while your employee recovers.

Small business insurance in Georgia with Huckleberry insurance

A bundle of important policies that protect your business in unforeseen circumstances. A BOP generally includes property insurance, general liability, and business interruption insurance.

If someone ever sues your company for damage or injury, general liability insurance steps in to help cover your legal expenses and settlement.

Business property insurance covers your building (in case it’s ever damaged or destroyed), and business personal property insurance covers the important stuff you have inside your building

Business interruption coverage can help keep your business afloat if it’s ever forced to close for a covered reason. The policy covers major fixed costs—such as payroll and taxes—and might even cover the cost of a temporary location while you’re working to get things back to normal

Small business insurance in Georgia with Huckleberry insurance

How much do Georgians pay for small business insurance?

First, the numbers: the median premium cost that Huckleberry customers pay for Georgia workers’ comp is $1,547 per year. (For general liability coverage, the median cost is $700. And for a Business Owner’s Policy—which includes general liability bundled with some other policies you’ll likely need—the median price in Georgia is $750).

But it’s important to remember that rates vary a lot. Your price will fluctuate based on where your business is, what industry you’re in, and how many employees you have. Long story short: your rate could be higher or much lower than the median, and the fastest way to find out what you’d pay for small business insurance is to get a 60-second estimate. (No obligation. Free. And it seriously takes under a minute.)

Other coverages you can add to your Georgia policy

Employment Practices Liability

Employment practices liability insurance (often called EPLI) protects your small business if an employees claims discrimination, harassment, or the mishandling of benefits

Hired and Non-Owned Auto

Hired and non-owned auto liability covers your business if you (or someone associated with your company) causes damage with a vehicle that isn’t owned by the business.

Professional Liability

If you make a mistake that harms a client, this coverage helps pay for legal expenses and the cost of a settlement.

Liquor Liability

If you ever sell alcohol to a visibly intoxicated person who goes on to cause damage to something or someone, liquor liability will pay out to cover legal expenses, medical expenses, and property damage.


A spoilage policy pays out a financial benefit if you lose food or beverages when a freezer breaks (or because of another covered event).

Equipment Breakdown

Equipment breakdown insurance will pay to repair or replace your electrical and mechanical equipment if it breaks.

Restaurant Endorsement

A handy bundle of restaurant-specific coverages which protects your restaurant in many unexpected situations.

Employee Dishonesty

Employee dishonesty coverage will compensate your business for financial losses if a member of your team steals from you (directly or indirectly).

The most common industries getting small business insurance in Georgia

Landscaping & Lawn Care

Landscaping & Lawn Care

Commercial Cleaning

Commercial Cleaning

Heating & Air Conditioning

Heating & Air Conditioning

Small business insurance in Georgia with Huckleberry insurance

4 reasons why business owners in Georgia love Huckleberry

  1. It takes 5 minutes to get covered. (Getting a quote from a legacy insurer can take weeks.)
  2. Simple decisions. We explain everything in language you’ll understand.
  3. You manage your policy on our online business insurance platform. No paperwork.
  4. There’s a good chance you’ll pay a lot less for the coverages you need.

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