Risk Insurance for Small Businesses

Risk Insurance for Georgia Businesses

Even well-managed businesses can face lawsuits, natural disasters, equipment failures, and other threats beyond their control. Small businesses often lack the financial reserves to absorb these losses.  Without adequate insurance coverage, a single major incident could be devastating. Risk insurance provides financial protection and peace of mind, allowing business owners to focus on growth rather than worrying about catastrophic losses.

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Young couple looking at tablet talking with a general liability insurance advisor
Young couple looking at tablet talking with a general liability insurance advisor

What Does Risk Insurance Cover?


Risk insurance protects businesses from financial losses resulting from unforeseen events and liabilities. This coverage addresses a wide range of exposures, including property damage, bodily injury claims, professional mistakes, cyber incidents, and business interruption losses. Risk insurance also typically covers legal defense costs, which can accumulate quickly even for groundless claims, and settlement or judgment amounts up to policy limits.


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Additional Coverage for Business Owners

This coverage pairs well with risk insurance by covering third-party bodily injury and property damage claims for incidents that occur during normal business operations.

This coverage protects physical assets, including buildings, equipment, inventory, and furnishings, against fire, theft, vandalism, and other damages.

This coverage addresses professional liability exposures, covering claims that your services or advice caused a client to experience financial harm.

This coverage protects company leadership from personal liability for management decisions, shareholder lawsuits, and regulatory investigations, filling gaps that standard risk policies don't address.

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Allow BIS to aggressively shop the market to get you the most competitive rates.

Three Reasons To Choose BIS

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Hands-On Team

Cutting-Edge Technology, Professional Expertise, & Personalized Services

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We Shop, You Save

Industry Expertise in Major Markets, Representing Major Carriers

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Industry-Best Customer Service

Five-Star Rated, Quick Response TImes, BBB Credited

Our Carriers

We work with top-rated insurance carriers in Georgia, including Selective, Hanover, Travelers, Hartford, Nationwide, Chubb, Liberty Mutual, and more.

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Where We Work

Our insurance agency works with companies located across the state of Georgia. Some of the cities that BIS Benefits clients call home include:

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Why You Can Trust BIS Benefits

At BIS Benefits, we are proud to have received recognition as one of Georgia's top employee benefits brokers. With years of experience in the insurance industry, we are committed to excellence and diligently serving our clients. Along with employee benefits, we provide an extensive range of commercial insurance products that are tailored to support your company's specific requirements. Our insurance agents are dedicated to helping you find the appropriate coverage for all your business's needs.


Want to learn more about what insurance solutions BIS can offer you? Request a Quote today to discuss your unique needs with one of our professionals.

Risk Insurance FAQs

  • Why Do Small Businesses Need Risk Insurance?

    Small businesses often don’t have the financial reserves to absorb major losses. Risk insurance provides a safety net that covers legal defense costs, settlements, and repair expenses so owners can focus on operations and growth instead of unexpected liabilities.

  • What Types of Losses Does Risk Insurance Typically Cover?

    Risk insurance can address property damage, bodily injury claims, professional liability, cyber incidents, and income losses caused by business interruptions. Many policies also cover legal defense costs, which can add up quickly even when claims lack merit.

  • Does Risk Insurance Cover Cyber Incidents?

    Risk insurance may include or be paired with cyber liability coverage, which helps with data breaches, cyberattacks, recovery costs, and potential legal claims.

  • Is Risk Insurance the Same as General Liability Insurance?

    No. General liability insurance is one component of risk insurance, covering third-party bodily injury and property damage. Risk insurance typically refers to a broader protection strategy that may include multiple policies working together.

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Business Insurance, Group Plans, and Employee Benefits? BIS is here to help! Our team is friendly, knowledgeable, and ready to answer any questions you might have. Contact us today to get a custom quote for your exact requirements!

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