What are the mandatory COI insurance limits for a Commercial Janitorial & Disaster Restoration in Georgia?

Standard general contractors and commercial projects in Georgia require $1,000,000 per occurrence, $2,000,000 general aggregate, and $1,000,000 umbrella coverage per Georgia State Licensing Board for Residential & General Contractors guidelines.

Why do general contractors reject ACORD 25 certificates?

The top 3 reasons for certificate rejection are: (1) Missing completed operations additional insured endorsements (CG 20 37), (2) General aggregate limit set below project specifications, and (3) Fatal Action Over or Labor Law 240 exclusion endorsements.

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Commercial Janitorial & Disaster Restoration COI Requirements in Georgia

Verified compliance checklist for subcontractors operating in Georgia under Georgia State Licensing Board for Residential & General Contractors.

Statutory Policy Minimums

Coverage Type	Mandatory Specification
General Liability (Each Occurrence)	$1,000,000
General Aggregate Limit	$2,000,000
Umbrella / Excess Liability	$1,000,000
Workers' Compensation	Mandatory for 3+ employees
Regulatory Oversight	Georgia State Licensing Board for Residential & General Contractors

Mandatory High-Risk Endorsements

Subcontractors in Commercial Janitorial & Disaster Restoration are routinely exposed to exclusions that leave General Contractors liable. Verify these endorsements are attached:

🛡️ Lost Key & Lock Replacement Rider🛡️ Janitorial Services Third-Party Dishonesty Bond🛡️ Biohazard / Mold Remediation Liability

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