From Civil War history to festivals, Dalton, GA has it all. This artsy town is home to many history buffs and local commerce.
When you operate a business in this city of 33,748 residents, you'll want an adviser. If you work with an independent insurance agent, you get the best coverage and price. Connect with an expert to get started today.
How Liability Insurance Works and Why Your Dalton, GA Business Needs It
If you're winging your business insurance, you may be missing vital coverages. One of them is liability insurance in all forms. There is a variety of liability policies that your business can obtain. To know what coverages you'll need, contact an independent agent. In the meantime, here are a few basic policies to consider:
Commercial general liability Insurance or CGL in Dalton, GA:
A CGL policy for your Dalton business is primary coverage. This insurance will protect your finances from a lawsuit. A trusted adviser can go over the limits of liability that will best insure your company.
Cyber liability insurance in Dalton, GA:
Cyber liability is often overlooked but necessary. This policy could save your business from a costly lawsuit when your company's database is compromised. If you have employees and customer personal information on hand, it can be stolen. Let's take a look at some facts:
- Number of US identity records exposed in 2019: 164.68 million
- Number of US data breaches in 2019: 1,473
Connect with a Dalton independent agent to get the best policy for your data.
Umbrella insurance in Dalton, GA:
Umbrella insurance will provide additional liability coverage in the event your underlying CGL policy limits are exhausted. It doesn't take long for a claim to get out of control. Speak with a local independent agent about your business insurance today.
Other Exposures Your Dalton, GA Business Should Insure
When it comes to your business's commercial insurance, everything is pretty much a la carte. While packages do exist, your agent will need to add any additional coverages based on your request. To make sure you have the right policies in place, take a look at a few below:
Commercial property insurance in Dalton, GA:
If you own property or belongings such as furniture or inventory, you'll need coverage. A commercial property policy can cover the repair or replacement of your building. Since not all business insurance is the same, you'll want to review coverage with your independent agent. Take a look at the top risk exposures a policy can protect you from in GA:
- Severe weather and storms
- Burglary and other property crimes
- Wildfires and residential fires
- Flooding and water damage
Make sure you have all the right coverages in place to have adequate protection for a loss.
Business interruption insurance in Dalton, GA:
When your operation has to shut down due to a loss, you'll still need to pay the bills. Business interruption insurance can help with up to 2 years of coverage. Connect with a Dalton independent agent about adding this to your current CGL policy.
Flood insurance for your Dalton, GA property:
Flood insurance is needed on a separate policy for your commercial property. When flood damage occurs, you'll want to be sure you have the right coverage in place. Speak with a Dalton adviser to get quotes on your flood risk.
How Employee Benefits Can Help You Attract Talent in Dalton, GA
The cost of healthcare is a significant expense for your employees. If you offer employee benefits coverage, you can minimize their monthly expenses. An attractive benefits plan will help retain top talent. Let's take a look at the facts:
- Employer health insurance contribution in the US as of 2018: 77%
- Average annual health premiums for family employee coverage in 2019: $20,576
- Average annual health premiums for single employee coverage in 2019: $7,188
Employee benefits will consist of you contributing to the following policies:
When you want to make your staff feel valued and cared for, employee benefits will do the trick. Discuss package options with a Dalton independent insurance agent.
Is Worker's Compensation Required in Dalton, GA?
Worker's compensation insurance is required in most states. Dalton, GA is no exception. When you have three or more employees, it's mandated to carry. An agent may recommend that you obtain coverage with even one employee because the risk is still the same. Let's see how worker's compensation provides coverage:
- Pays for medical expenses of an employee who is injured or becomes ill on the job
- Pays for lost wages of an employee who is injured or becomes ill employee on the job
Since the state governs workers' compensation insurance, it can be tricky to figure out. Your best bet at getting the right policy with adequate protection is through an adviser. Contact a Dalton independent agent to discuss further.
Find an Independent Insurance Agent in Dalton, GA
Business insurance can be confusing if you're not a professional adviser. Fortunately, an independent insurance agent can help. They have access to several carriers so that they can do the work for you for free.
When you use an independent agent, you have options on coverage and rates. Connect with a local expert on TrustedChoice to start saving.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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