Updated October 2026
Georgia Business Insurance Requirements 2026: Complete Legal Guide
Every Georgia business must meet specific insurance requirements. Here is a complete guide to what is legally required — workers comp thresholds, auto minimums, contractor bonds, and non-compliance penalties.
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Georgia Business Insurance Requirements at a Glance
Workers' Comp Threshold
3 or more regular employees
Commercial Auto Minimums
$25,000/$50,000/$25,000
Contractor Bonds
Georgia requires contractor licensing through GCOC; residential and commercial licenses require $10,…
Regulator
Georgia Office of Commissioner of Insurance (OCI)
Workers' Compensation in Georgia
Georgia requires WC for any business with 3 or more regular employees (full-time or part-time).
Regulated by: Georgia Office of Commissioner of Insurance (OCI)
Non-Compliance Penalties
WC non-compliance: misdemeanor, fines, personal liability for all employee injury costs
Contractor Licensing & Bond Requirements
Georgia requires contractor licensing through GCOC; residential and commercial licenses require $10,000–$25,000 surety bonds
State Insurance Regulator
Georgia Office of Commissioner of Insurance (OCI)
https://oci.georgia.gov
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