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State-specific
Georgia Contractor Insurance Requirements: GL, Workers' Comp, and Licensing Rules
Published January 2026 7 min read
Georgia licensing baseline
The State Construction Industry Licensing Board issues general and residential contractor licenses in Georgia. A license is required for jobs over $2,500 (residential) or for any general contractor work where the contractor is the prime. Specialty trades like electrical, plumbing, and HVAC are regulated separately.
Minimum insurance & workers' comp
Georgia requires General Liability with at least $300,000/$300,000 limits for license renewal — but $1M/$2M is the practical standard required by most general contracts. Workers' comp is required for businesses with three or more employees (including officers, with limited exceptions).
Bonds and ongoing compliance
Many Georgia counties require additional surety bonds for permits ($10,000–$25,000 is common). Annual license renewals require continuing education and proof of insurance.
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