Business Insurance in Georgia

We write business insurance across Georgia and Alabama out of our office in Douglas, taking one set of your numbers to several carriers so the coverage fits how your business actually runs, instead of leaving you to guess which of the policies you already have covers the thing you were just asked about.

Coverage built for the businesses on our own square

Most of what we insure is small. A storefront with two employees, a contractor with a crew and a couple of trucks, a grading outfit, a shop that sells and services, a timber or farm operation working ground around Coffee County. We write those the same way we write a fleet: gather the payroll, the vehicles, the trades and the building once, then take it to the carriers who want that kind of risk.


We are an independent agency, which means we are not placing your business on one company's product shelf. Owner Bruce Purvis was born at Coffee Regional Hospital and is raising his family here, and the agency has worked from Ashley Street since 1984. When you call (912) 384-0114 between 8:00 and 5:00 Monday through Friday, closed noon to 1:00, someone in the office picks up.


We insure businesses on and around Ashley Street in Douglas and across Coffee County, and we write in Pearson, Ambrose, Broxton, Nicholls, Willacoochee, along with the rest of Georgia. We are licensed in Georgia and Alabama, so a business with locations or routes on both sides of the line does not need two agencies.

This is the policy that answers for a customer hurt on your property or for damage you cause working on someone else's. It is also the policy behind the certificate a landlord or general contractor asks you for.

General liability

General Liability Insurance

What a small business in Georgia usually needs

Five coverages carry most small businesses. Which ones apply depends on whether you have employees, vehicles titled to the business, a building, inventory, or land in production.

General liability

This is the policy that answers for a customer hurt on your property or for damage you cause working on someone else's. It is also the policy behind the certificate a landlord or general contractor asks you for.

Commercial auto and trucking

Anything titled to the business belongs on a commercial policy, and so does any truck hauling for hire. Personal auto policies are written for personal use, and a claim on a work vehicle is where that difference shows up.

Commercial property

Covers the building, the inventory, the tools and the equipment inside it. We look at what it would cost to replace the contents today, not what you paid for them.

Farm and agribusiness

Written for growers, timber operations and anyone with equipment, outbuildings, livestock or a crop in the ground. The exposures on a working operation do not fit a standard business policy.

Workers' compensation

Pays medical costs and lost wages when an employee is hurt on the job. In Georgia it stops being optional sooner than most owners expect.

What Georgia requires, and what your lease requires

People chatting and drinking at a cozy café with wooden tables and colorful decor.

These are two different lists, and mixing them up is the most common reason a business owner ends up either uninsured or paying for something nobody asked for.


Georgia requires workers' compensation once an employer regularly employs three or more people, and part-time employees count toward that three.


Any vehicle registered to a business in Georgia has to carry at least the state liability minimums: $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $25,000 in property damage.


A for-hire truck over 10,001 pounds running freight inside Georgia has to carry limits well above the state auto minimums, set by the type of cargo and the authority it operates under.


General liability is not required by Georgia law. It is required by nearly everyone you do business with. Landlords want a certificate before you take the keys, general contractors want one before your crew gets on the site, and licensing boards want one on file. We can usually turn a certificate around the same day it is needed, which matters when a job is waiting on it.

How a commercial quote actually gets built

There is no shelf price on business insurance, and any number quoted before the questions get asked is a guess. A commercial quote comes out of your own figures.


  • Annual payroll, broken out by the kind of work each employee does
  • Annual receipts or sales
  • Vehicles, their weights, and how far from home they run
  • The trades or operations you actually perform, including anything seasonal
  • Claims history, usually five years
  • The building, its age and construction, and what the contents would cost to replace


We collect that once and take it to several carriers. Rates for the same business can differ by a wide margin between companies because each one prices trades and vehicle radius differently, and comparing them is the part an independent agency is for.

Questions business owners ask us

  • What insurance does a small business need in Georgia?

    Most small businesses start with general liability, and add commercial property if they own or lease a building with inventory or equipment in it, commercial auto for any vehicle titled to the business, and workers' compensation once they regularly employ three people. Which of those apply depends on your operation, not your size. A one-person shop with a signed lease often needs liability on day one.

  • How many employees before workers' comp is required in Georgia?

    Three. Georgia requires workers' compensation coverage once an employer regularly employs three or more people, and part-time employees count in that total. Some businesses under that threshold carry it anyway, either because a contract requires it or because an injury without it comes straight out of the business.

  • Do I need general liability insurance for my business in Georgia?

    State law does not require it, but the people you work for usually do. Commercial leases, general contractor agreements and licensing boards commonly require a certificate of insurance naming a minimum limit, and work does not start until it is produced. It also answers for the claims most likely to close a small business, meaning injuries to customers and damage to property that is not yours.

  • Can one agency cover my business trucks and my shop?

    Yes, and having them in one place is how gaps get found. When the trucks, the building, the liability and the payroll are on one desk, we can see whether the trailer is scheduled, whether hired and non-owned auto is on the liability policy, and whether the contents limit still matches what is in the building.

  • How much does business insurance cost for a small business in Georgia?

    It is priced off your payroll, receipts, vehicles, trades and claims history, so two businesses on the same street can pay very different amounts. Rather than quote an average that will not match your operation, we take your figures to several carriers and show you what each one comes back with.

  • Where can I get business insurance near Douglas, GA?

    Our office is at 116 Ashley St E in Douglas, open Monday through Friday from 8:00 to 5:00 and closed from noon to 1:00. We write business coverage throughout Coffee County and the surrounding towns, and across Georgia and Alabama.

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Bring us the requirement and we will sort out the rest

Whether you have a certificate request in hand, a truck to add, or a policy you have never fully read, one sitting is usually enough to see what your business has and what it is missing. We have been doing this from the same office since 1984.