Contractor Insurance
in Georgia
Stay Compliant and Protected in Georgia’s Competitive Construction Market
From Atlanta to Augusta, Georgia contractors face strict regulations, unpredictable jobsite hazards, and local licensing requirements. Whether you’re a general contractor, roofer, or HVAC specialist, ACI provides affordable, trade-specific insurance that keeps you protected and compliant—without the hassle.
Why Contractors in Georgia Choose ACI
Instant Quotes
Get insured in minutes with same-day coverage.
Tailored Policies
Customized for your trade, risk level, and team size.
State Expertise
Compliant with Georgia contractor laws and licensing rules.
Bundled Savings
Combine policies to save up to 25%.
Fast Certificates
Proof of insurance delivered same-day.
Insurance Coverage We Offer in Georgia
We offer comprehensive protection for Georgia contractors and construction professionals:
- General Liability Insurance
Covers third-party claims of property damage, bodily injury, and legal defense.
- Workers’ Compensation Insurance
Pays for job-related injuries, medical care, and lost wages for your employees.
- Commercial Auto Insurance
Protects your business vehicles used to transport tools, equipment, or crew.
- Tools & Equipment Insurance
Covers theft, loss, or damage to gear and equipment, even while in transit or offsite.
- Builder’s Risk Insurance
Safeguards structures under construction against fire, theft, vandalism, and weather.
- Professional Liability Insurance
Protects against claims of design errors, code violations, or missed project specs.
Who We Cover in Georgia
If you work in Georgia construction, we’ve got a policy built for your trade. We insure:
- General Contractors
- Roofers
- Electricians
- Plumbers
- HVAC Technicians
No matter your specialty or crew size, we’ll match you with coverage that fits the way you work.
How Much Does Contractor Insurance Cost in Georgia?
The cost of contractor insurance in Georgia varies based on trade, location, and coverage types. Here are the top factors that affect your premium:
Cost Factors
- Policy Type
Liability, workers’ comp, or bundled packages affect pricing.
- Business Size
More employees = higher risk = higher premium.
- Revenue
Annual revenue helps determine coverage limits.
- Claims History
Fewer claims usually mean lower rates.
- Deductible
Choosing a higher deductible can reduce your monthly cost.
Low Down Payment Options:
You may qualify for coverage with just 20% down, making ACI one of the most affordable options for contractors in Georgia.
Get a custom quote tailored to your trade, crew size, and Georgia jobsite needs.
Georgia Contractor Insurance Requirements
General Liability Insurance
Required to obtain or renew a general contractor license in Georgia. Most counties require coverage to protect against third-party property damage and injury.
Workers’ Compensation Insurance
Mandatory if you have three or more employees. Covers medical costs, lost wages, and rehab for jobsite injuries.
Commercial Auto Insurance
Georgia requires business vehicles to carry liability insurance, with minimum limits starting at $25,000 per person and $50,000 per accident.
Sole proprietors and independent contractors may be exempt from certain coverages but are still at risk without proper insurance. Get personalized guidance to ensure you're covered.
Get a Free Contractor Insurance Quote
in Georgia
Get insured fast—no phone tag, no guesswork. We’ll walk you through your options and send a free, no-obligation quote tailored to your trade.