Senate Bill 68 became law on April 21, 20251. It changed trial steps, negligent security rules, and damages arguments2. The aim was to steady liability costs, though the effect is still unfolding. It is a good reason to review your limits with us.
FAQ_category: (HIDDEN) Industry FAQs
Not every business is required to carry general liability insurance in Georgia. But contracts, landlords, and clients often require it. Some Georgia contractor licenses require proof of it.
Some business insurance is required in Georgia, depending on your business. Three or more employees usually means workers’ compensation. Driving for work may mean commercial auto coverage. Some contractors must show general liability and workers’ compensation too.
A contractor should usually review general liability, workers’ compensation, commercial auto, and tools and equipment coverage. If the contractor works under permits, city rules, or general contractor agreements, certificate wording and additional insured requirements should be checked before work starts.
Often, yes. An LLC may help separate business and personal legal identity, but it does not replace insurance. A Colorado LLC may still need general liability, workers’ compensation, commercial auto, property, cyber liability, or professional liability. The right mix depends on employees, vehicles, contracts, clients, and the work performed.