What general liability limits should a Georgia small business carry?

General liability limits that match your highest contract requirement. For most Georgia small businesses this means $1M per occurrence and $2M aggregate. Businesses that sign subcontractor agreements or work for general contractors often need to be named as additional insured on the GC’s policy, and vice versa. If your contracts require $2M or $5M, you need either higher primary limits or a commercial umbrella above your general liability.