Commercial Insurance in Georgia

What do you consider as essential business-related purchases as a small business owner?

The office space probably qualifies as that, and you can say the same thing about the pieces of equipment and furniture you need to put in there. Don’t forget about the vehicles you need to carry out your day-to-day operations. But what about commercial insurance? Should you regard that as an essential purchase too?

At the Atkinson Casey Agency, we can help you answer those critical questions. If you’re interested in purchasing commercial insurance, we can help you out. Our team is here and ready to answer your questions and walk you through the process.

Required Policies if You Are Operating a Business in Georgia

A commercial insurance plan is typically made up of different policies. Some of those policies are optional, but others are mandatory for Georgia businesses.

Workers’ compensation is one such policy that must be included in your commercial insurance plan. That policy will offer compensation to your employees if they suffer any injuries or illnesses related to their work.

Thanks to workers’ compensation, your employees can recoup their lost wages. You will need to include workers’ compensation in your commercial insurance plan if you have three or more employees.

Commercial auto insurance should also be baked into your plan. That part of your plan will cover the vehicles you use for your daily operations. Commercial auto insurance works very similarly to regular car insurance, so you should be familiar with it.

Optional Policies That Grant Additional Protection

Apart from the mandatory policies detailed above, you can add optional policies to your commercial insurance plan. Liability insurance will protect you from onerous payouts if someone is injured while they are on your property. Property insurance offers protection for your office building and its contents.

If you live in certain parts of Georgia, you may also need commercial flood insurance. Don’t assume that your property insurance offers coverage for flooding because that is usually sold separately.

Secure the future of your small business by purchasing commercial insurance. Partner with us at Atkinson Casey Agency if you need a commercial plan as soon as possible. You can also drop by our Monroe, GA office to speed up the process of purchasing your commercial insurance plan.