Contractor Insurance Georgia

If you’re a contractor in Georgia—whether you specialize in construction, electrical work, plumbing, painting, or landscaping—your business faces unique risks every day. From property damage to on-the-job injuries, a single accident can lead to costly claims or even shut down your operations. That’s where contractor insurance in Georgia comes in.

At Tatum Insurance Agency, we help Georgia contractors find the right coverage to protect their work, employees, and reputation.

What Is Contractor Insurance?

Contractor insurance is a package of policies designed to safeguard your contracting business from financial loss. It typically includes several forms of protection that cover your liability, tools, vehicles, and employees. Whether you’re an independent contractor or you manage a full crew, the right policy ensures you can focus on your projects with peace of mind.

Types of Contractor Insurance Coverage in Georgia

1. General Liability Insurance
This is the foundation of any contractor policy. It protects against third-party bodily injury and property damage claims—such as if a client slips on a job site or a worker accidentally damages a customer’s property.

2. Workers’ Compensation Insurance
Georgia law requires most employers with three or more employees to carry workers’ compensation insurance. This coverage pays for medical expenses and lost wages if your employees are injured while working.

3. Commercial Auto Insurance
If your business uses trucks, vans, or trailers, commercial auto insurance is essential. It covers vehicle damage, theft, and liability from accidents while driving for work purposes.

4. Tools and Equipment Coverage
Your tools and equipment are vital to your business. This coverage helps repair or replace them if they’re stolen, damaged, or lost on a job site or in transit.

5. Contractor’s Bonding and Surety
Many Georgia projects require contractors to be bonded. Surety bonds guarantee that you’ll complete your work according to your contract’s terms, giving clients confidence in your professionalism.

Why Georgia Contractors Need Proper Coverage

From Atlanta and Savannah to Augusta and Macon, Georgia’s booming construction and service industries mean contractors are in high demand. But with that demand comes risk—job-site accidents, weather-related damages, and client disputes can all threaten your business.

Having comprehensive contractor insurance not only protects your finances but also helps you:

  • Meet state and client insurance requirements

  • Build credibility and trust with customers

  • Secure larger contracts and government projects

  • Stay compliant with Georgia business laws

Get a Contractor Insurance Quote in Georgia

Every contractor’s needs are different. At Tatum Insurance Agency, we specialize in helping Georgia contractors find affordable, tailored insurance coverage. Whether you’re just starting out or managing multiple projects, we’ll design a policy that fits your business.

Protect your livelihood—get a free Georgia contractor insurance quote today!