Georgia certificate of insurance requirements
Georgia's 3-employee WC threshold means some small contractors legitimately do not carry WC. Verify employee count before treating a missing WC as a deficiency, and confirm AI endorsements comply with the state anti-indemnity statute.
Auto liability minimums
$25,000 / $50,000 / $25,000 personal; $1M CSL typical commercial.
Workers' compensation
Workers' compensation required for employers with 3+ employees; sole proprietors and partners may be exempt.
State-specific quirks
Smaller GA employers may legitimately not carry WC. Confirm employee count before flagging a missing WC as a deficiency.
Voids indemnification of a party for its sole negligence in construction contracts.
Notable industry callouts
- Trucking. Atlanta is a major trucking hub; verify motor-carrier authority and MCS-90 on every commercial transportation cert.
How COIflow handles it
Georgia requirement profiles live alongside your contract and lease requirements in COIflow, so every cert your agency issues or verifies for a GA-based insured is checked against the right WC threshold, AI wording, and state-specific endorsement forms — without your CSRs having to remember the differences.
Disclaimer. This summary is for reference only. It is not legal advice and not coverage advice. Verify current statutes, regulations, and case law with licensed counsel and your carriers before relying on it for a specific risk.