Nationwide emerged as the top contender for Georgia’s best general liability insurance in MoneyGeek’s analysis with a score of 94 out of 100. However, NEXT, The Hartford, Thimble, and Hiscox are also great options for general liability policies.
Best General Liability Insurance in Georgia
Updated: June 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
Overall, the best general liability insurance company in Georgia is Nationwide, which has a great balance of affordable rates for LLCs and good customer service.
The cheapest general liability insurance for sole proprietors in Georgia is offered by NEXT at $27 per month. For LLCs, NEXT is the most affordable option at $27 a month.
General liability insurance costs in Georgia depend on your industry, and we found they can range from $34 to $2,995 per month on average.
Best Cheap General Liability Insurance in Georgia
| Nationwide | 94 | $51 | $46 |
| NEXT | 90 | $27 | $27 |
| The Hartford | 90 | $35 | $72 |
| Thimble | 86 | $24 | $70 |
| Hiscox | 83 | $32 | $116 |
*Rates were based on a $1,000,000 per occurrence and $2,000,000 aggregate limit for a software development company.
Nationwide: Best Overall
pros
Low rates for LLC businesses
Large coverage selection
Low customer claims frequency
cons
Higher rates for sole proprietors
COMPANY HIGHLIGHTS
Nationwide provides Georgia's finest general liability insurance by delivering an ideal balance of competitive pricing and dependable customer service. The insurer ties for first place with the lowest NAIC claims ratio while securing second rank for LLC affordability, with businesses paying around $552 annually on average for comprehensive protection.
NEXT: Cheapest Overall
pros
Easy fast buying process
Very cheap rates overall, regardless of business size
Business-insurance-only focus
cons
Higher customer complaint frequency
COMPANY HIGHLIGHTS
Our Georgia selection for most affordable general liability coverage is NEXT. At $27 monthly for sole proprietorships and limited liability companies, their pricing is the best for LLCs and second best for sole proprietors. While the company's claims statistics exceed regional competitors we've assessed, NEXT compensates with a streamlined enrollment system and instant proof of coverage availability.
How Much Is General Liability Insurance in Georgia?
An average general liability insurance policy in Georgia typically costs around $34 per month for sole proprietors and $66 per month for LLCs. However, this only represents software development companies and the costs can vary widely by industry.
| Cleaning | $1,561 | $85 |
| General Contractor | $2,995 | $188 |
| Software Development | $66 | $34 |
*Rates are based on a $1,000,000 per occurrence and $2,000,000 aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in Georgia
General liability insurance costs can fluctuate based on a number of different factors in Georgia. In the list below, you can see these factors and their impacts on your coverage costs:
Policy limits
Coverage limits play a crucial role in determining insurance premiums. Opting for higher limits can lead to increased costs, whereas choosing lower limits generally results in more affordable premiums.
Number of employees and payroll costs
Businesses with a large workforce and high payroll expenses are likely to see an increase in general liability insurance costs. Our analysis of LLCs and sole proprietorships confirms this trend.
Business location
The location of your business significantly influences insurance costs. Average rates can vary from one city to another within the same state, so consider these variations when assessing your coverage needs.
Claims history
A history of multiple claims can make a business seem riskier to insurers, leading to higher premiums.
Industry
Industries with higher risks, like construction, typically face elevated general liability insurance costs.
Georgia General Liability Insurance: Buyer's Guide
Business insurance is a complicated industry and can be difficult to navigate. So, to simplify your understanding of general liability insurance, we've created a short guide detailing how to get the best coverage, defining what it covers, listing requirements in Georgia, and explaining how much coverage you should consider getting.
How to Find the Best General Liability Insurance Company
To help ensure that you get the best small business insurance regardless of your industry, we've created a step-by-step guide to simplify your coverage search.
- 1
Define your coverage needs
Determine your liability risk by taking into account your industry, products or services, customer types, business size and market impact. Measure the frequency and costs of common claims in your industry to evaluate coverage options better.
- 2
Research average costs for your business
Research average costs for your type of business to understand how good of a deal you're getting from insurance companies. Knowing average expenses will give you insight into if a company is going to save you money.
- 3
Consult similar businesses
Your business community is your greatest resource, which can give you recommendations that are better for your specific needs. They may also provide ways to mitigate risks associated with general liability insurance. This may mean you don’t need extra coverage.
- 4
Compare multiple options through different means
Comparing multiple companies lets you assess which option is best for your business. Also, choosing multiple means of comparison, like online comparison sites and brokers, will give you a more comprehensive view of pricing and provide more opportunities for advice.
What Does General Liability Insurance Cover and How Does It Work?
General liability insurance coverage consists of two parts: per occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can go up to, while the aggregate limit is the total coverage you can get per year. In terms of covered items, this type of policy includes the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damages to leased or rented business property
Bodily injury or property damage caused by your product or service
Libel, slander, or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in Georgia?
General liability insurance isn't expressly required by state law and instead varies by your industry. But, if you want to apply for a professional license, sign a contract with a larger company, or sign an office lease, some form of general liability insurance may be required. While not an exhaustive list, the following industries tend to fall into these categories:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses will only need a standard policy with 1 million dollars of protection per occurrence and a 2 million limit per year. This will likely cover most or all damages caused over a year for most business types. Even so, your particular industry's risks and the size of your operation may require a larger coverage limit than standard.
WHO MAY NEED MORE COVERAGE
Certain businesses face more risks and often see costly insurance claims. These include companies in health services, building trades, hospitality, and shops. If your business is in one of these areas, consider getting more insurance coverage. Small companies with many workers or selling products and services to many people should also check their risk.
Best General Liability Insurance in Georgia: Bottom Line
Overall the best general liability insurance companies in Georgia are Nationwide, NEXT, and The Hartford. However, we recommend comparing around yourself and getting plenty of quotes to ensure you get the best deal possible.
General Liability Insurance in Georgia: FAQ
Below, we address frequently asked questions regarding general liability insurance in Georgia.
Which company has the best general liability insurance in Georgia?
MoneyGeek's choice for general liability insurance in Georgia is Nationwide, which earned an overall score of 94 out of 100. Your ideal insurance depends on various details, including your business size, number of employees, and specific coverage requirements.
Which company has the cheapest general liability insurance in Georgia?
NEXT offers the most affordable rates for both business types in Georgia. LLCs pay an average of $324 per year, while sole proprietors pay $324 annually. Thimble offers competitive rates for sole proprietors at $288 per year.
Does Georgia require businesses to have general liability insurance?
In Georgia, while it is not legally required, opting for general liability insurance is a prudent decision to shield your business from potential financial damages arising from claims of third-party liability.
How We Chose the Best General Liability Insurance Providers in Georgia
We broke down our scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
For all business insurance companies, we assumed software development industry LLCs with 20 employees. We based customer satisfaction and financial strength scores on NAIC and AM Best ratings. Quote process scores came from our MoneyGeek experts' personal experiences.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.