NEXT has the best professional liability insurance in Georgia with competitive rates and strong customer support. The Hartford ranks second overall, while Simply Business takes third place.
Professional Liability Insurance in Georgia
NEXT earns the highest score of 4.71 out of 5 in our analysis of the best professional liability insurance in Georgia.
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Updated: October 27, 2025
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Best Professional Liability Insurance in Georgia: Key Takeaways
NEXT is our top pick for professional liability insurance in Georgia, followed by The Hartford and Simply Business.
Your industry risk, client contracts, potential claim costs and budget determine the best Georgia professional liability insurance for you.
Assess your needs first, then compare quotes from multiple providers to find the best small business insurance that's right for your professional liability needs in Georgia.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Industry
State
Best Professional Liability Insurance Companies in Georgia
| NEXT Insurance | 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 These Rates and Rankings?
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
Professional liability coverage is just one part of protecting your Georgia business. Other coverage types work together to create complete financial protection.
Best Georgia Professional Liability Insurance Reviews
Most professionals need professional liability insurance, but not all providers offer the same value. We've broken down what differentiates these top providers and why they made our list for Georgia businesses.
NEXT
Overall Best Provider
MoneyGeek Rating
4.7/ 5
4.6/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$74These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
3.9/5Our Survey: Recommend to Others
4.8/5
The Hartford
Runner-Up Best Provider
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$73These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
4.5/5Our Survey: Recommend to Others
4.5/5
Cheapest Professional Liability Insurance Companies in Georgia
The Hartford offers the cheapest professional liability insurance in Georgia at $73 monthly ($871 annually). NEXT provides another affordable option for business owners at $74 per month.
| The Hartford | $73 | $871 |
| NEXT Insurance | $74 | $887 |
| Progressive Commercial | $77 | $919 |
| Simply Business | $78 | $930 |
| Thimble | $78 | $934 |
| Hiscox | $78 | $939 |
| Coverdash | $79 | $947 |
| biBERK | $81 | $970 |
| Nationwide | $84 | $1,004 |
| Chubb | $90 | $1,081 |
How Did We Determine These 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.
Average Cost of Professional Liability Insurance in Georgia
Professional liability insurance in Georgia costs $79 monthly ($948 annually), just $1 more than the national average. Home-based businesses pay around $38 per month, while mortgage brokers average $168. Rates also depend on business location, claims history and coverage limits.
| 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 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.
How Much Professional Liability Insurance Do I Need in Georgia?
Professional liability insurance requirements differ by profession in Georgia. Health care providers, attorneys and certain contractors often face mandatory coverage rules, while other fields rely on client contracts and industry standards. Even without legal requirements, your coverage amount should reflect your risk exposure and clients' expectations. High-risk professions typically carry $1 million per occurrence and $3 million aggregate coverage.
Your coverage decision depends on three factors:
Your Industry Risk
Some industries in Georgia carry greater liability exposure than others when providing professional services. Real estate agents' and accountants' professional liability risks are lower than those in high-risk fields like architects, technology consultants and engineers in Atlanta's tech corridor.
Client Requirements
Many clients and contracts in Georgia require proof of professional liability insurance at specific minimum limits before work can begin. Large corporations, government contracts and major organizations throughout Georgia often mandate coverage levels ranging from $1 million to $5 million or higher. Meeting these client requirements is essential for winning and maintaining business relationships.
Potential Claim Costs
Your coverage should reflect the possible financial impact of a professional liability lawsuit in Georgia's legal system. Small mistakes might result in minor penalties and legal fees, while errors on major projects could lead to six-figure damages plus substantial attorney costs. Consider both the size of your typical projects and the potential ripple effects of professional errors when selecting coverage limits.
How to Get the Best Professional Liability Insurance in Georgia
We prepared a step-by-step guide that shows you how to get business insurance that's right for your professional liability needs in Georgia business.
- 1Evaluate Your Business Risks
Different industries face varying liability exposures in Georgia. A healthcare consultant typically needs higher coverage limits than a freelance graphic designer. Review your client contracts and industry standards to determine appropriate coverage amounts.
- 2Find a Knowledgeable Local Agent
Look for an agent who knows Georgia's business landscape and understands how your small business insurance cost varies by location and industry. Local expertise helps match your coverage needs with insurers experienced in your industry. This personalized guidance often leads to better policy terms.
- 3Collect and compare quotes
Request quotes from at least three insurers, comparing cheap business liability insurance options and policy terms like exclusions and deductibles. A $1,000 policy might offer significantly different protection than another at the same price.
- 4Research insurer reputation
When researching business insurance in Georgia, look beyond price. Check AM Best ratings to verify financial stability and claims-paying ability. Read professional reviews and ask peers about their experiences with different carriers. Strong insurers handle claims efficiently and provide reliable long-term protection.
- 5Explore bundling opportunities
Many insurers offer discounts when you combine professional liability with different types of small business insurance coverage, such as general liability or business owner's policies. These package deals often reduce overall insurance costs while simplifying policy management. Georgia businesses frequently save 10% to 15% through bundling.
- 6Maintain continuous protection
Professional liability coverage only applies when your policy is active and a claim is filed. Gaps in coverage leave you vulnerable to lawsuits from past work. Purchase tail coverage or ensure prior acts protection when switching insurers.
How to Prevent Professional Liability Claims in Georgia
Most professional liability claims in Georgia result from poor communication and vague client expectations rather than actual mistakes. Small disputes can still trigger thousands in legal fees. These proven strategies help prevent conflicts and shield your business from expensive claims.
Document Everything
Keep written proof of all client interactions, including email confirmations, scope changes and client approvals. This documentation helps prevent disputes by providing a clear record of what was agreed upon. Written records serve as your strongest defense if disagreements arise about project details or deliverables.
Use Detailed Contracts With Clear Scope
Create contracts that define responsibilities, timelines and deliverables in specific terms. Outline what is included and excluded from your services to avoid conflicts over additional work requests. Clear boundaries help clients understand exactly what they're paying for and prevent scope creep.
Communicate Project Changes Immediately
Confirm all client-requested changes in writing before moving forward with new work. Document how changes affect timelines, budgets and deliverables to maintain transparency. This practice prevents misunderstandings about additional costs or extended deadlines.
Set Realistic Expectations Upfront
Be transparent about timelines, potential challenges and expected results from the start of each project. Honest communication about your capabilities helps avoid overpromising and reduces client disputes. Managing expectations early prevents disappointment and protects your professional reputation.
Keep Detailed Project Records
Maintain thorough records of all work performed, decisions made and the reasoning behind your professional choices. This documentation demonstrates your diligence and expertise if your work is questioned later. Detailed records show you followed proper procedures and made informed decisions throughout the project.
Georgia Professional Liability: Bottom Line
Selecting professional liability insurance in Georgia requires understanding your business risks and client demands first. NEXT leads our rankings, but your industry requirements, contract terms and budget determine the best fit. Assess your coverage needs, then connect with a local agent to compare options that deliver solid financial protection for your business.
Georgia Professional Liability Insurance: FAQ
Georgia professionals commonly have questions about professional liability insurance coverage. We've compiled answers to help you understand your options.
What does professional liability insurance cost in Georgia?
Professional liability insurance in Georgia ranges from $73 to $90 monthly, based on provider data. Your premium depends on your industry's risk level, claims history, coverage limits and business location within the state.
Which professional liability insurance company is best in Georgia?
NEXT ranks as the top professional liability insurance provider in Georgia, scoring 4.71 out of 5 for its affordable rates and excellent customer service. The Hartford follows closely in second place, while Simply Business rounds out the top three with competitive options for Georgia professionals.
How much professional liability coverage do I need in Georgia?
Professional liability coverage needs in Georgia vary based on your industry's risk level, client contract demands and potential lawsuit expenses. High-risk professions like architects and consultants typically need higher coverage limits, while businesses with lower exposure can often secure adequate protection with smaller policy amounts.
Are professional liability and E&O insurance the same thing?
Yes. Professional liability and errors and omissions (E&O) insurance are two names for the same coverage. Both protect you from claims about mistakes in your services. Some industries prefer one term, but they work the same way.
How We Scored the Best Professional Liability Insurance Companies in Georgia
Professional liability lawsuits can destroy small businesses in Georgia or force them to close permanently. We studied insurers statewide to identify which companies provide the most reliable financial protection for businesses from new startups to well-established firms.
Our Scoring System
- Affordability (50%): Cost drives most small business insurance choices. We gave affordability the highest weight because companies need coverage that fits their budget while providing adequate protection.
- Customer experience (30%): Quality service matters when facing a claim. We analyzed J.D. Power ratings and complaint records from the state's Department of Insurance to measure insurer responsiveness.
- Coverage options (15%): We studied policy flexibility and exclusions to ensure they match the diverse needs of local professional service providers.
- Financial strength (5%): AM Best financial ratings confirmed each recommended insurer maintains the resources to pay professional liability claims reliably.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Alliance Health. "Provider Insurance Requirements." Accessed October 31, 2025.