ERGO NEXT ranks first for professional liability insurance in Georgia, earning a 4.74 MoneyGeek score through exceptional customer service and leading digital tools. The Hartford is Georgia's cheapest professional indemnity insurer at $73 monthly, $6 below the state average. Simply Business, Coverdash and Nationwide follow as strong alternatives for top errors and omissions insurance in Georgia.
Best Professional Liability Insurance Georgia
Find GA professional liability insurance starting at $28 per month from top providers like ERGO NEXT, The Hartford and Simply Business.
Get matched to the best professional liability providers in Georgia for your needs below.
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Updated: January 21, 2026
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Professional Liability Insurance Georgia: Key Takeaways
ERGO NEXT provides the best professional liability insurance in Georgia, while The Hartford delivers the most affordable coverage starting at $73 monthly (Read More).
Georgia professionals pay an average of $79 monthly or $948 annually for professional liability insurance costs, placing the state among the more affordable options nationwide (Read More).
Professional liability insurance shields Georgia businesses from financial losses due to professional mistakes, negligence claims, and missed deadlines (Read More).
Georgia businesses typically aren't legally required to carry professional liability insurance, though healthcare providers and other licensed professionals often must maintain coverage (Read More).
Getting multiple small business insurance quotes allows Georgia professionals to compare coverage limits, deductibles, and pricing to secure optimal protection (Read More).
Best Professional Liability Insurance Companies in Georgia
| ERGO NEXT | 4.71 | $74 |
| The Hartford | 4.63 | $73 |
| Simply Business | 4.50 | $78 |
| Coverdash | 4.44 | $79 |
| Nationwide | 4.44 | $84 |
| biBERK | 4.42 | $81 |
| Progressive Commercial | 4.38 | $77 |
| Hiscox | 4.36 | $78 |
| Chubb | 4.27 | $90 |
| Thimble | 4.25 | $78 |
How Did We Determine The Best Professional Liability Insurance in Georgia?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE IN GEORGIA
Professional liability insurance in Georgia covers just one aspect of protecting your business, but we offer additional state-specific resources to help you find comprehensive coverage:
1. ERGO NEXT: Best Professional Liability Insurance in GA
pros
Ranks first nationwide for customer experience and digital platform
Offers coverage in 10 minutes with instant certificate access
Competitive rates averaging for Georgia businesses
Backed by Munich Re's A+ Superior AM Best rating
cons
Founded in 2016 with less industry tenure than competitors
Claims process ranks fourth nationally among major insurers
Revenue cap of $5 million excludes larger businesses
COMPANY HIGHLIGHTS
ERGO NEXT ranks as Georgia's best overall professional liability insurer, leading in customer experience while offering competitive rates. The company earned first place nationally for customer service, with Georgia business owners praising its 10-minute online purchasing process and 24/7 certificate access. An Atlanta consultant pays $74 per month for coverage secured entirely online, while a Savannah tech firm benefits from specialized E&O policies and instant policy management through ERGO NEXT's top-rated mobile app.
2. The Hartford: Cheapest Professional Liability Insurance in GA
pros
Lowest professional liability rates in Georgia
Ranks first nationally for claims handling and overall satisfaction
A+ Superior AM Best rating with more than 200 years experience
Personalized E&O coverage for tech, law and medical professionals
cons
Digital experience ranks 10th nationally among major insurers
Requires agent contact for most policy changes and endorsements
Less ideal for businesses preferring fully online service
COMPANY HIGHLIGHTS
The Hartford delivers Georgia's most affordable professional liability insurance at $73 per month, undercutting the state average by $6 per month ($72 annual savings). Small businesses gain budget-friendly coverage without sacrificing quality. The Hartford ranks first nationally for claims handling and overall satisfaction, backed by A+ Superior financial strength. An Atlanta tech consultant secures comprehensive E&O protection while paying less than competitors, and a Macon financial advisor combines The Hartford's specialized coverage options with rates that help preserve cash flow for business growth.
3. Simply Business: Best Professional Liability Insurance Coverage Options in GA
pros
Ranks first for coverage options among more than 15 carriers
Finds policies for hard-to-insure businesses that other insurers reject
Digital experience ranks third nationally with 24/7 online quote comparison
Backed by Travelers' A++ Superior financial strength rating
cons
Claims process ranks eighth nationally among major insurers
Overall customer satisfaction ranks seventh
Mixed reviews on customer service responsiveness and phone access
COMPANY HIGHLIGHTS
Simply Business ranks as Georgia's best professional liability insurer for coverage options with a MoneyGeek score of 4.9 out of 5. The broker model connects you with more than 15 carriers including Travelers, Hiscox and CNA, offering policy choices direct insurers cannot match.
An Atlanta consultant compares quotes from five carriers in 10 minutes online and selects specialized E&O coverage unavailable elsewhere. A Savannah tech startup rejected by traditional insurers finds professional liability protection through Simply Business's extensive carrier network, securing customized coverage at $78 per month.
Average Cost of Professional Liability Insurance in Georgia
Professional liability insurance costs in Georgia vary significantly by industry. Home-based businesses pay the lowest rates at around $38 per month, while mortgage brokers face the highest average costs at approximately $168 per month. You can find specific rates for your industry using the filtering tool below.
Data filtered by:
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| Accountants | $149 | $1,793 |
| Ad Agency | $101 | $1,216 |
| Auto Repair | $85 | $1,015 |
| Automotive | $75 | $903 |
| Bakery | $53 | $640 |
| Barber | $44 | $524 |
| Beauty Salon | $49 | $591 |
| Bounce House | $61 | $727 |
| Candle | $43 | $514 |
| Cannabis | $122 | $1,466 |
| Catering | $81 | $969 |
| Cleaning | $56 | $678 |
| Coffee Shop | $61 | $734 |
| Computer Programming | $108 | $1,296 |
| Computer Repair | $65 | $777 |
| Construction | $78 | $934 |
| Consulting | $109 | $1,311 |
| Contractor | $64 | $767 |
| Courier | $50 | $601 |
| DJ | $46 | $557 |
| Daycare | $110 | $1,321 |
| Dental | $86 | $1,031 |
| Dog Grooming | $55 | $666 |
| Drone | $107 | $1,290 |
| Ecommerce | $63 | $755 |
| Electrical | $65 | $777 |
| Engineering | $107 | $1,281 |
| Excavation | $69 | $828 |
| Florist | $39 | $466 |
| Food | $113 | $1,362 |
| Food Truck | $59 | $713 |
| Funeral Home | $81 | $974 |
| Gardening | $41 | $487 |
| HVAC | $83 | $990 |
| Handyman | $56 | $677 |
| Home-based business | $38 | $461 |
| Hospitality | $74 | $891 |
| Janitorial | $51 | $615 |
| Jewelry | $62 | $747 |
| Junk Removal | $67 | $802 |
| Lawn/Landscaping | $52 | $619 |
| Lawyers | $148 | $1,773 |
| Manufacturing | $61 | $726 |
| Marine | $89 | $1,073 |
| Massage | $109 | $1,303 |
| Mortgage Broker | $168 | $2,019 |
| Moving | $83 | $998 |
| Nonprofit | $51 | $613 |
| Painting | $65 | $782 |
| Party Rental | $57 | $690 |
| Personal Training | $72 | $866 |
| Pest Control | $97 | $1,165 |
| Pet | $47 | $562 |
| Pharmacy | $58 | $692 |
| Photography | $65 | $778 |
| Physical Therapy | $96 | $1,155 |
| Plumbing | $89 | $1,063 |
| Pressure Washing | $59 | $702 |
| Real Estate | $124 | $1,484 |
| Restaurant | $83 | $994 |
| Retail | $56 | $667 |
| Roofing | $101 | $1,207 |
| Security | $100 | $1,197 |
| Snack Bars | $48 | $578 |
| Software | $99 | $1,184 |
| Spa/Wellness | $110 | $1,315 |
| Speech Therapist | $103 | $1,230 |
| Startup | $73 | $880 |
| Tech/IT | $101 | $1,207 |
| Transportation | $97 | $1,165 |
| Travel | $100 | $1,203 |
| Tree Service | $77 | $919 |
| Trucking | $115 | $1,379 |
| Tutoring | $63 | $750 |
| Veterinary | $118 | $1,412 |
| Wedding Planning | $77 | $929 |
| Welding | $80 | $955 |
| Wholesale | $63 | $759 |
| Window Cleaning | $65 | $776 |
How Did We Determine These Georgia Professional Liability Insurance Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
What Does Georgia Professional Liability Insurance Cover?
In Georgia, professional liability insurance protects your business when clients claim you made mistakes or failed to deliver promised services. The coverage pays for damages you owe and handles legal costs when these situations arise.
This insurance goes by several different names:
- Errors and omissions insurance (E&O)
- Malpractice insurance (specialized type, typically in legal and medical fields)
- Professional indemnity insurance
How Much Professional Liability Insurance Do I Need in Georgia?
Georgia doesn't require professional liability insurance for most businesses by law. Standard contract requirements call for $1 million per occurrence and $2 million aggregate coverage when securing client work. Healthcare operates under different standards. While Georgia law doesn't mandate malpractice insurance for physicians, most hospitals and medical facilities require $1 million per occurrence and $3 million aggregate coverage as a condition for admitting privileges or employment.
Who Needs Professional Liability Insurance in Georgia?
Professionals providing services under client contracts or facing risks of professional negligence claims need to consider professional liability insurance in Georgia. The following Georgia industries should evaluate errors and omissions coverage based on their specific liability exposure.
Healthcare Professionals
Healthcare providers regulated by the Georgia Composite Medical Board face significant malpractice exposure and must disclose their insurance status to patients under the Patient Right to Know Act. Most Georgia hospitals and medical facilities require physicians to carry $1 million per occurrence and $3 million aggregate coverage as a condition for admitting privileges.
Tech Professionals
Georgia's growing technology sector, including major companies like Salesforce and businesses supported by the state's Centers of Innovation, encounters data breach risks, software failures and missed project deadlines. Tech companies should secure tech E&O insurance to protect against claims related to professional services, cybersecurity incidents and intellectual property disputes.
Real Estate Professionals
Real estate professionals licensed by the Georgia Real Estate Commission handle high-value transactions where contract errors, disclosure failures and missed deadlines create liability exposure. Georgia's robust real estate market, driven by population growth and business expansion across Atlanta, Savannah and other metros, makes errors and omissions insurance for real estate essential protection against claims that could exceed standard policy limits.
Engineering & Design Professionals
Professional engineers licensed by Georgia's Professional Engineers and Land Surveyors Board provide critical services for the state's booming aerospace, automotive and manufacturing sectors, including projects like the Hyundai EV plant construction. Design errors, project delays or structural failures can result in massive liability claims, making professional liability coverage essential for PE-licensed professionals offering independent engineering services to Georgia clients.
Contractor and Construction Professionals
While not explicitly required in Georgia you may be required by clients to get professional liability insurance. It is also a good idea even if it is not required, since risks of negligence and damages done by employees is high in the contracting and construction industry.
Construction Contractors
Georgia's construction boom, driven by major projects like the $7 billion Hyundai automotive complex and expanding manufacturing facilities statewide, exposes contractors to significant professional liability risks. Clients require contractors to carry professional liability insurance to cover claims arising from project delays, design errors or failure to meet contract specifications.
Financial & Consulting Professionals
Financial advisors and consultants serving Georgia's business community, particularly in Atlanta's major financial district, provide advice that directly impacts client wealth and business decisions. Professional liability insurance protects these professionals when clients claim losses resulted from negligent advice, missed investment opportunities or failure to meet fiduciary duties.
How to Get the Best Professional Liability Insurance in Georgia
Our step-by-step guide helps you navigate getting business insurance in Georgia that matches your professional liability needs and budget. Follow these six steps to secure coverage that protects your business.
- 1Assess your professional liability insurance coverage needs
Start by understanding your business risks and any client requirements you must meet. An Atlanta architect working on commercial projects needs different coverage than a Savannah freelance consultant serving small businesses.
- 2Work with a local agent
Look for an agent who knows Georgia's business landscape and understands how business insurance costs vary by location and industry. Local agents can explain whether your Augusta consulting practice needs different coverage than similar businesses in Atlanta's corporate environment.
- 3Get quotes and compare coverage details
Request quotes from at least three insurers, comparing both affordable business insurance rates and policy terms like exclusions and deductibles. An Athens IT consultant should examine coverage differences, not just premium costs, when evaluating $1 million liability policies.
- 4Research the best providers
Look beyond price to find insurers with strong financial ratings, good claims handling and experience in your industry. Check AM Best ratings and read reviews from other Georgia professionals in your field.
- 5Consider bundling discounts
Many Georgia insurers offer better premiums when you combine professional liability with other types of business insurance coverage like general liability or business owner policies. A Fulton County CPA firm saves 15% by bundling professional and general liability coverage.
- 6Don't let your coverage lapse
Professional liability policies protect you only from lawsuits filed while your policy is active, even if the work happened years ago. An Augusta consultant switching carriers should ensure the new policy covers prior acts or purchase tail coverage (extended reporting coverage that protects against claims filed after your policy ends) from the previous insurer.
Get Georgia Professional Liability Insurance Quotes
MoneyGeek matches Georgia professionals with professional liability insurers suited to your industry needs. Use our tool below to identify top-rated companies for your business and receive customized quotes for affordable coverage.
Get Matched To The Best GA Professional Liability Insurer For You
Select your industry and state to get a customized GA professional liability insurer match and get tailored quotes.
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Georgia Professional Liability: Bottom Line
Finding the right professional liability insurance in Georgia comes down to understanding your business risks and working with the right provider. ERGO NEXT earns our top rating, but your industry, client contracts and budget guide your final decision. Start by assessing your needs, then let a local agent help you compare options and secure coverage that financially protects your business.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.