Commercial Insurance in Georgia

Your building, your crew, your trucks, your name on the sign: a Columbus business has a lot riding on it every single day. One claim handled badly can undo years of work. Mallard Insurance Group builds commercial insurance around those exposures, and because we are an independent agency we take your operation to multiple business carriers, compare what each one will actually do for you, and bring back a recommendation in plain English.

Business Coverage Built Around What You Do

No two Georgia businesses carry the same risk, so we start with how yours actually runs and build from there. Common pieces include:

• General liability for customer injuries and property damage claims
• Commercial property for your building, equipment, inventory, and tools
• Business owners policy, which packages property and liability at a lower cost
• Commercial auto for work trucks, vans, and employee driving
• Workers’ compensation for on-the-job injuries and lost wages
• Professional liability, cyber liability, and business interruption coverage

Who We Insure Around the Chattahoochee Valley

We write coverage for contractors and trades, restaurants and retail shops along Broadway and Midtown, salons, offices, trucking and delivery operations, and nonprofits from Columbus out to Phenix City, Fort Benning, and Harris County. If you are bidding work that requires a certificate of insurance, we can usually turn one around the same day.

Do Georgia Businesses Have to Carry Workers’ Compensation?

In most cases yes. Georgia generally requires workers’ compensation once a business regularly employs three or more workers, including part-time help. We will review your payroll and job classifications so you are covered correctly rather than guessing. Many owners also add umbrella insurance for extra liability protection behind those policies.