Independent insurance agency

Georgia · 539 cities · 159 counties

Georgia General Liability Insurance

General liability for Georgia contractors, shops and service businesses, from an independent agency that compares options instead of selling one company’s policy. America Insurance Brokers is an independent Georgia agency.

Click here to call Get My Quote

How it works (30-second video)

Start your Coterie quote

Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

How we take care of you

One local agent for your Georgia business insurance

America Insurance Brokers is an independent agency, so we work for you, not for one insurance company. You get one local agent who takes the time to learn your business, shops your coverage across our 35+ carrier appointments, and brings back clear options you can compare side by side.

We keep quotes fast and simple, explain what each policy does and doesn’t cover in plain English, and stay with you after the sale for certificates of insurance, policy changes, questions and a review at every renewal.

Coverage we help Georgia businesses put together

General liability
Business owner’s policy (BOP)
Workers’ compensation
Commercial auto
Commercial property
Umbrella & excess liability
Professional liability (E&O)
Tools & equipment (inland marine)

Whether you’re a one-person contractor or a growing company with employees and vehicles, we’ll help you fit the pieces together so your coverage matches the way you actually work.

Get a general liability quote

A few quick steps. A local AIB agent will follow up.

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Insurance carriers & providers

General liability markets for Georgia businesses

The Hartford

Insurance carrier

Commercial BOP & package

Small-business package coverage through The Hartford's Spectrum Business Owner's Policy.
Writes many contractor classes in Georgia.

Travelers

Insurance carrier

Commercial BOP & package

Small-business coverage including a business owner's policy and general liability.
Policyholders get access to MyTravelers risk-control tools for safety and risk management.

Liberty Mutual

Insurance carrier

Commercial BOP & package

Small-business coverage including a business owner's policy, general liability, property, auto and umbrella.
AIB can compare Liberty Mutual's small-business options side by side with other Georgia markets.

Nationwide

Insurance carrier

Commercial BOP & package

Small commercial coverage tailored to small businesses.
Nationwide has expanded its small-business appetite, including professional and financial services firms.

Main Street America

Insurance carrier

Commercial BOP & package

Commercial coverage on its Main Street Commercial+ policy platform.
Sold through independent agents like AIB.

GUARD

Insurance carrier

Commercial BOP & package

Berkshire Hathaway GUARD Insurance Companies writes small-business commercial coverage, including a businessowner's policy.
Sold through independent agents like AIB; eligibility and class fit are confirmed at quote.

Coterie

Insurance provider

Fast, digital quoting. Coverage is quoted and bound through Coterie for eligible small businesses.
Certificates of insurance on demand once a policy is in force.
Home-based and newer businesses may qualify.

Attune

Insurance provider

Small-business general liability and related coverages placed through Attune for eligible Georgia risks.
Digital quoting for many artisan-contractor and service-business classes; AIB confirms fit and availability at quote.

Hiscox

Insurance provider

Monoline general liability for small businesses, with professional liability and cyber available to round out coverage.
Fast digital quoting for eligible professions; certificates of insurance available once a policy is in force.

Frank Winston Crum

Insurance provider

Insurance provider AIB can access for eligible Georgia contractor and service risks, including general liability where the market fits.
Preferred contractor and service classes that overlap our GL trades include electrical, plumbing, painting, janitorial, and remodel-related carpentry and finish work; AIB confirms fit and availability at quote.

Plus more carriers and specialty markets

Through AIB’s 35+ carrier appointments

Beyond the carriers above, AIB can shop additional small-business insurers and specialty markets for Georgia businesses. Which ones fit depends on your business, your history and each company’s current appetite, so availability is confirmed by AIB at quote.

Standard carriers for established businesses
Specialty markets for harder-to-place operations
Workers’ comp, commercial auto, umbrella, and surety or contractor bonds through AIB

Click here to call or email sales@goaib.com. All quotes and service go through AIB.

Click here to call Get My Quote

How it works (30-second video)

Start your Coterie quote

Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

By profession

Coverage guides by profession

By city

Georgia cities

Largest cities

All 539 cities, by county

Find your city or county

Appling County (3)

Atkinson County (2)

Bacon County (1)

Alma

Baker County (1)

Newton

Baldwin County (1)

Milledgeville

Banks County (6)

Barrow County (6)

Bartow County (7)

Ben Hill County (1)

Fitzgerald

Berrien County (4)

Bibb County (1)

Macon

Bleckley County (2)

Brantley County (2)

Brooks County (4)

Bryan County (2)

Bulloch County (4)

Burke County (7)

Butts County (3)

Calhoun County (4)

Camden County (3)

Candler County (2)

Carroll County (8)

Catoosa County (2)

Charlton County (2)

Chatham County (8)

Chattahoochee County (1)

Cusseta

Chattooga County (4)

Cherokee County (7)

Clarke County (3)

Clay County (2)

Clayton County (7)

Clinch County (4)

Cobb County (6)

Coffee County (4)

Colquitt County (8)

Columbia County (2)

Cook County (4)

Coweta County (8)

Crawford County (1)

Roberta

Crisp County (2)

Dade County (1)

Trenton

Dawson County (1)

Dawsonville

DeKalb County (12)

Decatur County (4)

Dodge County (5)

Dooly County (6)

Dougherty County (1)

Albany

Douglas County (3)

Early County (4)

Echols County (1)

Echols County

Effingham County (3)

Elbert County (2)

Emanuel County (8)

Evans County (4)

Fannin County (3)

Fayette County (5)

Floyd County (2)

Forsyth County (1)

Cumming

Franklin County (6)

Fulton County (15)

Gilmer County (2)

Glascock County (3)

Glynn County (1)

Brunswick

Gordon County (5)

Grady County (2)

Greene County (5)

Gwinnett County (16)

Habersham County (7)

Hall County (9)

Hancock County (1)

Sparta

Haralson County (5)

Harris County (5)

Hart County (5)

Heard County (3)

Henry County (4)

Houston County (4)

Irwin County (2)

Jackson County (9)

Jasper County (2)

Jeff Davis County (2)

Jefferson County (6)

Jenkins County (1)

Millen

Johnson County (3)

Jones County (1)

Gray

Lamar County (3)

Lanier County (1)

Lakeland

Laurens County (8)

Lee County (2)

Liberty County (7)

Lincoln County (1)

Lincolnton

Long County (1)

Ludowici

Lowndes County (5)

Lumpkin County (1)

Dahlonega

Macon County (4)

Madison County (7)

Marion County (1)

Buena Vista

McDuffie County (2)

McIntosh County (1)

Darien

Meriwether County (9)

Miller County (1)

Colquitt

Mitchell County (5)

Monroe County (2)

Montgomery County (7)

Morgan County (4)

Murray County (2)

Muscogee County (1)

Columbus

Newton County (6)

Oconee County (4)

Oglethorpe County (4)

Paulding County (3)

Peach County (4)

Pickens County (3)

Pierce County (4)

Pike County (5)

Polk County (5)

Pulaski County (1)

Hawkinsville

Putnam County (1)

Eatonton

Quitman County (1)

Georgetown

Rabun County (6)

Randolph County (2)

Richmond County (3)

Rockdale County (1)

Conyers

Schley County (1)

Ellaville

Screven County (5)

Seminole County (2)

Spalding County (3)

Stephens County (3)

Stewart County (2)

Sumter County (5)

Talbot County (5)

Taliaferro County (2)

Tattnall County (5)

Taylor County (2)

Telfair County (6)

Terrell County (4)

Thomas County (7)

Tift County (3)

Toombs County (3)

Towns County (2)

Treutlen County (1)

Soperton

Troup County (3)

Turner County (3)

Twiggs County (3)

Union County (1)

Blairsville

Upson County (2)

Walker County (5)

Walton County (7)

Ware County (1)

Waycross

Warren County (3)

Washington County (7)

Wayne County (3)

Webster County (1)

Webster County

Wheeler County (4)

White County (2)

Whitfield County (4)

Wilcox County (4)

Wilkes County (3)

Wilkinson County (7)

Worth County (4)

Coverage basics

What general liability covers

Most Georgia contractors, shops and service businesses need general liability when they meet clients face to face, work on a customer’s property, advertise their company, use third-party job sites, or have to show a certificate to win a contract. AIB compares insurance providers such as The Hartford, Travelers, Liberty Mutual, Nationwide, Main Street America, Coterie, Attune, Hiscox and Frank Winston Crum, plus more through our 35+ carrier appointments.

Bodily injury

A customer, visitor or other third party is hurt at your location or because of your work.

Property damage

You damage someone else’s property, like flooding a client’s kitchen or cracking a countertop.

Products & completed work

Claims that come up after your job is finished or your product is sold.

Personal & advertising injury

For most businesses: claims like libel, slander or certain advertising mistakes.

Medical payments

Small medical bills for a non-employee hurt on your premises, often regardless of fault.

Legal defense

Defense costs for covered claims, which can cost more than the settlement itself.

Common situations Georgia businesses ask about: a visitor trips over a bag, toolbox or cord at your shop or job site; you or a helper damage a client’s laptop, flooring or display while working on their premises; a marketing post or ad uses a slogan or image you didn’t have the rights to; or someone is hurt at a third-party location where your crew is responsible. Those are the kinds of third-party injury, property-damage and advertising claims general liability is built for. Exact coverage depends on the policy.

What general liability usually does not cover: injuries to your own employees (workers’ comp), your own building, tools and inventory (property, a BOP or inland marine), vehicle accidents (commercial auto), mistakes in professional advice (professional liability) and data breaches (cyber). Policy wording controls; we explain the gaps before you buy.

Get a Georgia general liability quote

Start online in a couple of minutes, or call. A licensed AIB agent compares the markets that fit your business.

Click here to call Get My Quote

How it works (30-second video)

Start your Coterie quote

Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

Prefer email? Write to sales@goaib.com for quotes, certificates and service.

Coverage is subject to underwriting review and approval. Availability varies by state, insurance provider and business type. The insurance providers named are markets AIB works with. Being listed does not guarantee a quote or coverage. Contact AIB for a quote.

Georgia business types we insure (116 coverage guides)