Commercial Insurance

A critical and complex decision for business owners, Commercial Insurance is, statistically, second only to direct payroll and related employee benefits in terms of expense.

We can help you insure your business while maintaining control over your second-largest operating cost.

Mandatory Coverage for Businesses in Georgia

Workers Compensation Insurance

Georgia law requires businesses with three or more employees to have workers compensation insurance. In Georgia, as many as five officers in a corporation can waive coverage for themselves.

Commercial Vehicle Insurance

Georgia requires automobile insurance for all vehicles. However, if you use a vehicle for business purposes, you should strongly consider purchasing a commercial vehicle policy.

Optional Commercial Insurance Products

Bodily Injury

Covers physical damage to a person suffered at your place of business and injuries caused by company employees at any location

Property Damage

Covers damage to someone’s property caused by a company employee

Personal Injury

Covers damages found against you or your business regarding slander, copyright infringement, libel, invasion of property, or privacy and similar acts

Advertising Damage

Covers damages relating to your advertising.

Legal Defense

Covers defense costs and damages for court cases brought against the business (not including punitive damages for negligence)

Errors & Omissions

Protects companies and their workers or individuals against claims made by clients for inadequate work or negligent actions. It covers both court cost and any settlement up to the policy limits

Employee Insurance Coverage

The cost of EPLI coverage depends on your type of business, the number of employees you have and various risk factors such as whether your company has been sued over employment practices in the past. The policies will reimburse your company against the costs of defending a lawsuit in court and for judgments and settlements.

Professional Liability

Also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance which helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.

Commercial Property Insurance

A type of insurance policy purchased by businesses or corporations. Dissimilar to commercial insurance, commercial property insurance is a specific type of policy that provides coverage specifically to the physical property of the underlying business or corporation.

Employment Practices Liability

An area of United States labor law that deals with wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations. It may be categorized as a form of professional liability.

Covers physical damage to a person suffered at your place of business and injuries caused by company employees at any location
Covers damage to someone’s property caused by a company employee
Covers damages found against you or your business regarding slander, copyright infringement, libel, invasion of property, or privacy and similar acts
Covers damages relating to your advertising.
Protects companies and their workers or individuals against claims made by clients for inadequate work or negligent actions. It covers both court cost and any settlement up to the policy limits
The cost of EPLI coverage depends on your type of business, the number of employees you have and various risk factors such as whether your company has been sued over employment practices in the past. The policies will reimburse your company against the costs of defending a lawsuit in court and for judgments and settlements.
Also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance which helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.
A type of insurance policy purchased by businesses or corporations. Dissimilar to commercial insurance, commercial property insurance is a specific type of policy that provides coverage specifically to the physical property of the underlying business or corporation.
An area of United States labor law that deals with wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations. It may be categorized as a form of professional liability.

Let's talk

Whether you'd rather call, email or pay us a visit, we'd love to talk about how we can help protect the things that matter most to you.

 
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