Georgia’s 2025 tort reform changed the rules for apartment owners, but it didn’t shrink the risk. SB 68 narrows negligent security claims, yet juries can still award large damages. That gap is where umbrella insurance for apartment buildings earns its keep, because it adds limits above your primary policies. Owners who skip that layer bet their equity on fewer lawsuits, and that bet rarely pays off. Here’s what changed, what didn’t, and how to build a smarter liability plan.

In This Guide What general liability insurance actually covers and where it stops Why Gainesville's pools, gyms, and garages raise your exposure The seven factors that move your premium up or down What to do in the first hour after an incident How to close the vendor and contractor coverage gap Being an apartment owner in Gainesville means living with the possibility of slip-and-fall claims, tenant disputes, and property damage incidents. And it only takes one a single claim