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Commercial Insurance Georgia


Concierge Insurance Group


Commercial insurance in Georgia costs $500–$10,000/year depending on your business type, revenue, employees, and coverage needs. For a small consulting business ($500k revenue, 3 employees, office-based), expect to pay $1,500–$2,500/year for a Business Owners Policy (BOP). If you're a Johns Creek, Alpharetta, or Duluth business owner, commercial insurance protects your business from lawsuits, property damage, and employee injuries—essential for financially responsible business owners safeguarding their assets through Concierge Insurance Group.

Your business is your livelihood (years of hard work, $500k–$1M+ in revenue). One lawsuit, one fire, or one employee injury could destroy everything you've built without proper insurance coverage in place.

The Hidden Danger: Your Business Is One Lawsuit Away from Bankruptcy

Business Risk Scenario

Here's what most business owners don't realize: your personal assets (home, savings, retirement accounts) are at risk if your business is sued and you don't have adequate commercial insurance.

One slip-and-fall, one professional error, or one employee injury could result in a $1 million+ lawsuit.

  • ❌ No General Liability - Client injuries, property damage claims have no coverage
  • ❌ No Professional Liability - Errors, omissions, negligence claims have no coverage
  • ❌ No Workers Compensation - Employee injuries expose you to lawsuits and fines

The Consequence Without Coverage

The result? A client slips and falls at your office. They sue for $500,000. You have no general liability insurance. You're personally liable for the entire amount.

  • Risk to your home, savings, and retirement accounts
  • Business closure due to financial liability
  • Legal fees and court costs piling up
  • Stress and disruption to family life

Protecting your business ensures:

  • Financial security for you and your family
  • Business continuity in case of lawsuits
  • Peace of mind knowing risks are managed

What You Risk Without Commercial Insurance

Johns Creek Scenario

A Johns Creek IT consulting firm (5 employees, $1.2M revenue) didn't have professional liability insurance. They thought they didn't need it.

A client hired them to implement a new system. The implementation had errors that caused the client's business to lose $80,000 in revenue.

  • The lawsuit: $1.2 million
  • Lost revenue: $800,000
  • Costs to fix: $200,000
  • Lost profits: $200,000
  • Insurance coverage:
    • General liability: Doesn't cover professional errors
    • No professional liability insurance
  • He owed: $1.2 million

The Consequence Without Coverage

  • Sold his business to pay the judgment
  • Lost his home equity
  • Drained retirement savings
  • Declared personal bankruptcy
  • 10 years of business building destroyed

All because he didn't have professional liability insurance ($2,500/year would have covered everything).

What he could have lost:

  • His business
  • His home
  • His retirement savings
  • His financial future
  • His family's security

What Is Commercial Insurance and How Much Does It Cost?

Commercial insurance (also called business insurance) provides coverage for your business operations, including liability, property, employees, and more. Without proper coverage, you are personally liable for damages, lawsuits, and losses.

Types of Commercial Insurance

  • ✓ General Liability Insurance - Bodily injury, property damage, advertising injury
  • ✓ Professional Liability Insurance (E&O) - Errors, omissions, negligence
  • ✓ Commercial Property Insurance - Building, equipment, inventory damage
  • ✓ Workers Compensation Insurance - Employee injuries (required in GA with + employees)
  • ✓ Business Owners Policy (BOP) - General liability + property bundled
  • ✓ Commercial Auto Insurance - Business vehicles
  • ✓ Cyber Liability Insurance - Data breaches, cyber attacks
  • ✓ Employment Practices Liability (EPLI) - Wrongful termination, discrimination
  • ✓ Commercial Umbrella Insurance - Extra liability coverage ($1M-$5M+)

How Much Does Commercial Insurance Cost in Georgia?

Typical annual premiums for North Atlanta businesses:

Business Type Revenue Employees Coverage Annual Premium Monthly Cost
Consultant $500k 3 BOP + Prof Liability $2,000-$3,500 $167-$292
Contractor $1M 8 BOP + Workers Comp + Auto $8,000-$15,000 $667-$1,250
Tech Company $2M 15 BOP + Prof Liability + Cyber + EPLI $10,000-$20,000 $833-$1,667
Retail Store $800k 5 BOP + Workers Comp $4,000-$7,000 $4,000-$7.000

Example: Alpharetta Marketing Agency

  • Revenue: $1.5 million
  • Employees: 10
  • Office space: Rented
  • Equipment/computers: $100,000
  • Coverage needed:
    • General liability: $1M/$2M
    • Professional liability: $1M
    • Property: $100k
    • Cyber liability: $1M
    • EPLI: $1M
  • Total: $8,000-$12,000/year ($667-$1000/month)

Why Commercial Insurance Is Essential

  • Lawsuits - Client injuries, property damage, professional errors ($100k-$5M+)
  • Property losses - Fire, theft, vandalism ($50k-$500k+)
  • Employee injuries - Workers comp claims ($25k-$250k+)
  • Cyber attacks - Data breaches, ransomware ($100k-$1M+)
  • Employment claims - Wrongful termination, discrimination ($50k-$500k+)

Factors That Affect Your Cost

Increase Cost

  • Higher revenue
  • More employees
  • Physical locations (retail, restaurant)
  • High-risk industry (construction, healthcare)
  • Claims history
  • Higher coverage limits

Decrease Cost

  • Office-based business
  • Few employees
  • Low revenue (under $500k)
  • Clean claims history
  • Safety programs
  • Higher deductibles
  • Multi-policy bundling (15-25% discount)

Who Needs Commercial Insurance in Georgia?

You Need Commercial Insurance If You... (Self-Assessment Checklist)

  • ☐ Own a business
    • LLC, S-Corp, C-Corp, sole proprietor
  • ☐ Have clients or customers
    • Need general liability for injuries/property damage
  • ☐ Provide professional services
    • Consultants, IT, marketing, accounting (need professional liability)
  • ☐ Have employees
    • Need workers compensation (required in GA with 3+ employees)
  • ☐ Have a physical location
    • Office, retail, warehouse (need property insurance)
  • ☐ Have business equipment
    • Computers, tools, inventory (need property insurance)
  • ☐ Handle client data
    • Need cyber liability insurance
  • ☐ Have business vehicles
    • Need commercial auto insurance

If you checked even one box, you need commercial insurance.

Johns Creek & Alpharetta Professional Services

Common businesses needing commercial insurance:

  • ✓ Consultants – IT, business, marketing, HR (professional liability + general liability)
  • ✓ Tech companies – SaaS, software development (professional liability + cyber + EPLI)
  • ✓ Accountants / CPAs – Tax prep, bookkeeping (professional liability)
  • ✓ Real estate agents – E&O insurance
  • ✓ Financial advisors – E&O insurance

Typical Johns Creek Consultant:

  • IT consulting firm
  • Revenue: $800,000
  • Employees: 5
  • Office-based
  • Equipment: $75,000
  • Recommended coverage:
    • General liability: $1M/$2M
    • Professional liability: $1M
    • Property: $75k
    • Cyber liability: $1M
  • Typical cost: $4,500–$6,500/year

Milton & Duluth Contractors

Why contractors need commercial insurance:

  • ✓ General liability – Client property damage, injuries on job sites
  • ✓ Workers compensation – Employee injuries (required)
  • ✓ Commercial auto – Trucks, vans, equipment
  • ✓ Tools & equipment – $50,000–$200,000+ in tools
  • ✓ Completed operations – Claims after job is finished

Typical Milton Contractor:

  • General contractor
  • Revenue: $2million
  • Employees: 12
  • 6 vehicles
  • Tools/equipment: $150,000
  • Recommended coverage:
    • General liability: $2M/$4M
    • Workers comp: Required
    • Commercial auto: $1M
    • Property (tools): $150k
    • Commercial umbrella: $2M
  • Typical cost: $18,000–$30,000/year

Alpharetta Tech Companies

Why tech companies need commercial insurance:

  • ✓ Professional liability – Software errors, implementation failures
  • ✓ Cyber liability – Data breaches, ransomware
  • ✓ EPLI – Wrongful termination, discrimination claims
  • ✓ General liability – Office injuries
  • ✓ Property – Computers, servers, equipment

Typical Alpharetta Tech Company:

  • SaaS company
  • Revenue: $3 million
  • Employees: 20
  • Office space
  • Equipment: $200,000
  • Recommended coverage:
    • General liability: $1M/$2M
    • Professional liability: $2M
    • Cyber liability: $2M
    • EPLI: $1M
    • Property: $200k
  • Typical cost: $15,000–$25,000/year

What Happens Without Commercial Insurance (Real Scenarios)

Problem #1: Client Injury Lawsuit

Example: Duluth Marketing Agency

A client visited a Duluth marketing agency's office for a meeting. They slipped on a wet floor and broke their hip.

The lawsuit:

  • Total lawsuit: $350,000
  • Medical bills: $100,000
  • Lost wages: $75,000
  • Pain and suffering: $175,000

Their insurance:

  • No general liability insurance
  • They owed: $800,000

What happened:

  • Sold business assets
  • Took out loans
  • Used personal savings
  • Nearly bankrupted the business

With general liability insurance:

  • Coverage: $1,000,000
  • Paid: $350,000
  • They owed: $0

Cost: $1,200/year would have saved $350,000

Problem #2: Professional Error Lawsuit

Example: Johns Creek IT Consultant

A Johns Creek IT consultant implemented a new system for a client. The system had errors that caused the client to lose $500,000 in revenue.

The lawsuit: $800,000

Their insurance:

  • General liability: Does not cover professional errors
  • No professional liability insurance
  • They owed: $800,000

What happened:

  • Business declared bankruptcy
  • Owner lost personal assets
  • 15+ years of business building destroyed

With professional liability insurance:

  • Coverage: $1,000,000
  • Paid: $800,000
  • They owed: $0

Cost: $2,500_/year would have saved $800,000

Problem #3: Employee Injury (No Workers Comp)

Example: Alpharetta Contractor

An Alpharetta contractor had ___ employees but didn't carry workers compensation insurance (required in GA with 3+ employees).

An employee fell from a ladder and broke his back.

The costs:

  • Medical bills: $200,000
  • Lost wages: $100,000
  • Permanent disability: $300,000
  • Total: $600,000

Plus:

  • State fines: $25,000 (for not having workers comp)
  • Legal fees: $50,000

Their insurance: No workers compensation — They owed: $675,000

What happened:

  • Business declared bankruptcy
  • Owner personally liable
  • Lost everything

With workers compensation insurance:

  • Coverage: Fully covered
  • Paid: $600,000
  • They owed: $0

Cost: $12,000/year would have saved $675,000

Problem #4: Data Breach (No Cyber Insurance)

Example: Milton Tech Company

A Milton tech company suffered a data breach. Hackers stole ___ customer records (names, emails, credit cards).

The costs:

  • Notification costs: $50,000
  • Credit monitoring: $100,000
  • Legal fees: $150,000
  • Regulatory fines: $200,000
  • Lawsuits: $300,000
  • Total: $800,000

Their insurance: No cyber liability insurance — They owed: $800,000

What happened:

  • Nearly bankrupted the company
  • Lost clients
  • Reputation destroyed

With cyber liability insurance:

  • Coverage: $1,000,000
  • Paid: $800,000
  • They owed: $___

Cost: $3,000/year would have saved $800,000

Types of Commercial Insurance Explained

General Liability Insurance

What it covers:

  • Bodily injury (client slips and falls)
  • Property damage (you damage client's property)
  • Advertising injury (copyright, slander, libel)

Who needs it: Every business

Typical cost: $500–$3,000 / year

Recommended limits: $1M per occurrence / $2M aggregate

Professional Liability (E&O)

What it covers:

  • Errors and omissions
  • Negligence
  • Failure to deliver services
  • Misrepresentation

Who needs it: Consultants, IT, accountants, real estate agents, financial advisors

Typical cost: $1,000–$5,000 / year

Recommended limits: $1M–$2M

Commercial Property Insurance

What it covers:

  • Building damage (fire, storm, vandalism)
  • Equipment and inventory
  • Business interruption (lost income)

Who needs it: Businesses with physical locations or equipment

Typical cost: $500–$5,000 / year

Recommended limits: Replacement cost of property

Workers Compensation Insurance

What it covers:

  • Employee medical bills
  • Lost wages
  • Disability benefits
  • Death benefits

Who needs it: Required in Georgia with 3+ employees

Typical cost: $500–$15,000 / year (varies by industry & payroll)

Recommended limits: Statutory limits (required by law)

Business Owners Policy (BOP)

What it is: General liability + property insurance bundled (saves ~15–25%)

Who needs it: Small businesses, office-based businesses

Typical cost: $1,000–$3,000 / year

Recommended for: Businesses that need both general liability and property

Cyber Liability Insurance

What it covers:

  • Data breaches
  • Ransomware attacks
  • Notification costs & credit monitoring
  • Legal fees & regulatory fines

Who needs it: Any business that handles customer data

Typical cost: $1,500–$5,000 / year

Recommended limits: $1M–$2M

Employment Practices Liability (EPLI)

What it covers:

  • Wrongful termination
  • Discrimination
  • Harassment
  • Retaliation

Who needs it: Businesses with 5+ employees

Typical cost: $1,000–$3,000 / year

Recommended limits: $1M

Commercial Umbrella Insurance

What it is: Extra liability coverage above your other policies

Who needs it: Businesses with significant assets or high liability exposure

Typical cost: $500–$2,000 / year for $1M–$2M umbrella

Recommended limits: $1M–$5M (depending on business size)

Costs shown are illustrative. Exact premiums depend on industry, payroll, revenue, claims history, and coverage limits.

Best Commercial Insurance Carriers for Georgia Businesses

The Hartford

Best for: Small businesses, BOPs

Strengths:

  • Small business specialists
  • Excellent BOP coverage
  • Workers comp available
  • Professional liability available
  • Multi-policy discounts

Typical cost: $1,000–$5,000 / year

Best for: Office-based businesses, consultants, small businesses

Travelers

Best for: Mid-size businesses, comprehensive coverage

Strengths:

  • Excellent coverage options
  • High liability limits
  • Professional liability
  • Cyber liability
  • EPLI available
  • Strong claims service

Typical cost: $2,000–$10,000 / year

Best for: Established businesses, tech companies, professional services

Nationwide

Best for: Multi-policy discounts

Strengths:

  • Strong multi-policy discounts (up to 25%)
  • BOP + workers comp + commercial auto bundles
  • Excellent customer service

Typical cost: $1,5000–$8,0000 / year

Best for: Businesses bundling multiple policies

Chubb

Best for: High-value businesses, executive liability

Strengths:

  • High liability limits ($5M–$10M+)
  • Professional liability specialists
  • Cyber liability
  • EPLI
  • White-glove claims service
  • Concierge service

Typical cost: $5,000–$25,000+ / year

Best for: High-revenue businesses, professional services, tech companies

Hiscox

Best for: Small businesses, online quotes

Strengths:

  • Easy online quotes
  • Fast approval
  • Professional liability specialists
  • Cyber liability
  • Affordable for small businesses

Typical cost: $500–$3,000 / year

Best for: Freelancers, consultants, small businesses under $500k revenue

As an independent agency, we compare all carriers to find you the best coverage at the best price.

Why North Atlanta Business Owners Trust Concierge Insurance Group

We're Business Owners Too

We understand business risks and insurance needs. We know what it takes to protect your business and personal assets — because we've built and protected businesses ourselves.

We're Independent (We Work for You)

As an independent agency we shop the market so you don’t have to. We compare top carriers to find the best coverage and price tailored to your risk profile.

Carriers we compare:
  • The Hartford
  • Travelers
  • Nationwide
  • Chubb
  • Hiscox

We Serve North Atlanta Businesses

We specialize in protecting local businesses across Johns Creek, Alpharetta, Milton, and Duluth. Our team knows the local market, local codes, and common exposures for North Atlanta companies.

Common clients

  • Professional services — consultants, IT, marketing
  • Tech companies — SaaS, software development
  • Contractors & home services
  • Retail stores & restaurants
  • Small businesses of every kind

Whether you need a simple BOP, professional liability, workers comp, cyber protection, or a custom package — we build policies that fit your business and budget.

Local expertise. Independent advice. Coverage that actually protects what you've built.

Our Simple 3-Step Process

Step 1: Free Commercial Insurance Quote

We start with a quick, no-obligation assessment of your business.

What we need:
  • Business type and industry
  • Revenue
  • Number of employees
  • Physical location (if any)
  • Equipment/inventory value
  • Current coverage (if any)
Get Your Free Quote

Step 2: Customized Recommendations

We compare multiple carriers and present your best options clearly and transparently.

You’ll understand:
  • What coverage you need (GL, professional liability, property, workers comp)
  • Our recommended limits
  • Multi-policy savings (5–15% off)
  • Transparent pricing before you buy

Step 3: Complete Protection & Peace of Mind

Once you choose your policy, we handle everything — setup, certificates, renewals, and ongoing support.

Run your business confidently knowing you're fully protected from lawsuits, property damage, and unexpected losses.

Frequently Asked Questions: Commercial Insurance

1. How much does commercial insurance cost in Georgia?

Commercial insurance typically ranges from $1,500–$2,500+/year, depending on industry, revenue, and coverage needs.

  • Small consultant (BOP): $1,200–$2,500/year
  • Contractor package: $8,000–$15,000/year
  • Tech company coverage: $10,000–$20,000+/year

2. Difference between general liability and professional liability?

General Liability: Covers injuries, property damage, and advertising claims.

Professional Liability (E&O): Covers service mistakes, negligence, and missed deliverables.

3. Do I need workers compensation insurance?

Georgia law requires workers compensation if you have 3 or more employees.

4. What is a Business Owner’s Policy (BOP)?

A BOP bundles general liability + commercial property and can save 15–25% compared to buying separately.

5. Do I need cyber liability insurance?

Cyber liability is important if you store customer data, take credit cards, or operate online systems.

6. What liability limits should I choose?

Minimum recommended: $1 million. Better: $2 million. Add a commercial umbrella if assets exceed $500k.

7. Can I bundle commercial insurance with personal insurance?

Yes—bundling home, auto, and business may give a 5–15% discount.

8. What if I run my business from home?

Homeowners insurance rarely covers business activity. A BOP or in-home policy is usually needed.

9. Do consultants need professional liability insurance?

Yes—consultants, IT pros, marketers, and similar roles need E&O to protect against service-related claims.

10. What happens if I get sued without commercial insurance?

You may be personally liable for legal and settlement costs, putting assets like your home and savings at risk.

Protect Your Business and Personal Assets Today

📋 Get Your Free Commercial Insurance Quote

Protect your business from lawsuits and losses with a no-obligation, educational quote.

  • Quotes from The Hartford, Travelers, Nationwide, Chubb
  • Coverage recommendations (general liability, professional liability, property, workers comp)
  • Multi-policy savings analysis (15–25% off)
  • Transparent pricing
  • No obligation, just education

📞 Talk to a Commercial Insurance Specialist

Call: (678) -822-0950

Email: "info [at] conciergeinsurancegroup [dot] com " (info [at] conciergeinsurancegroup [dot] com)

We serve businesses in:

  • Johns Creek
  • Alpharetta
  • Milton
  • Duluth
  • Roswell
  • Cumming

Office: Satellite Blvd, Duluth, GA

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