Georgia Independent Agents

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Most Popular Coverages in Georgia

What is an independent insurance agent?

Home insurance provides a backup plan in case a catastrophe strikes in the neighborhood. Whether it's a fire, high winds, or a burglary, it's covered by a suitable homeowners insurance policy in Georgia. Home insurance will pay for repairs to the home and replacement of belongings, pay for someone else's injuries on the property when it's the homeowner's fault, and may pay for temporary living expenses if the home is so badly damaged that it's uninhabitable. 

Georgia requires its drivers to stay protected with minimum coverage up to $50,000 for all persons injured in an accident, $25,000 for an individual, and $25,000 for property damage. But chances are these limits won't be enough if an accident occurs. Many vehicle owners purchase policies with higher limits so they can feel peace of mind when they're on the road. 

Last year small businesses in Georgia made $491 billion. If a business doesn't have the right insurance, they could lose valuable revenue. Business claims can cost thousands of dollars, which would all have to be paid out of pocket without commercial insurance in place as a safeguard.

The Georgia Workers’ Compensation Act defines the responsibility of employers to provide prompt medical and disability benefits for injuries sustained on the job by workers. In Georgia, employers who fail to provide worker's compensation insurance as required by law are held responsible for compensable injuries in the same way as employers who have coverage. The Georgia Board of Workers’ Compensation may also assess attorney’s fees, civil penalties, and a 10% increase in compensation to employees if the employer refuses or neglects to purchase the required coverage. 

A typical range for coverage starts on the low end at about $10,000/year for a smaller establishment with fewer employees, and hits the high end of more than $100,000/year for a much larger restaurant, like a chain. A business owners policy (BOP) is typically the cheapest and easiest way to go. This package offers most of the needed liability and property coverage, and specific coverages can always be added on as necessary.

In Georgia, commercial vehicle coverage must include liability insurance, as required by Georgia law. Lability limits can be increased as needed to suit the needs of a business. Liability insurance is designed to cover bodily injuries and property damage sustained by third parties in an accident for which the business owner or their employees are at fault.

Georgia is at high risk for droughts, earthquakes, floods, landslides, storms, and volcanoes. Hotel owners should be aware of the most common insurance claims, which include windstorm damage, flood damage, liability claims, data breaches, and business interruption claims. 

An umbrella insurance policy increases the liability coverage on home, auto, or ATV insurance, or any other insurance that gives liability protection. If a policyholder causes a motor vehicle accident and the costs exceed the liability coverage included in their auto insurance, their umbrella insurance policy will kick in so that they aren't left with excessive out-of-pocket liability expenses.

When an unexpected catastrophe strikes, whether that’s a fire, severe weather, falling objects, or a break-in, a landlord is only responsible for fixing the structure of the building where a tenant lives. Replacement of any of their personal property that’s stolen, damaged, or destroyed is their responsibility. Renters insurance can make it easy to get the funds needed to start again after a loss.

There are other benefits built in to renters insurance that extend beyond replacing belongings. Some policies may provide coverage for fraudulent credit card charges, or for charges of slander and libel from third parties.

If something tragic should happen, a life insurance policy in Georgia can ensure that the policyholder's family doesn't suffer financially when they are no longer around to provide for the family. The policy can also pay off any outstanding debts, such as a mortgage, a student loan, or credit card debt.

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