Douglasville, GA is home to one of the largest shopping centers in the state, making it a great place to own a business. This retail town is a nationally recognized historical city.
When you operate a business in a city with 33,675 residents, you'll need a local expert. Your business policy is essential. Use an independent insurance agent to find the best coverage. Connect with an adviser to begin your search today.
Coverages Your Douglasville, GA Business Needs to Have
Business insurance comes in all forms. Most owners don't actually have the coverage they need, and they usually find this out when a claim occurs. To avoid a financial headache, review the following policies with an independent agent:
Commercial property insurance in Douglasville, GA:
If you own a commercial property, you'll need to review your coverages with an expert carefully. A lot of the time, you don't have the protection you think you do. Some common risks that you'll need protection for in Douglasville, GA are:
- Severe storms and lightning
- Burglary and other property crimes
- Wildfires and residential fires
- Flooding and water damage
Get your property insurance reviewed by an expert. A Douglasville independent agent can go over your policy coverages to make sure they're sufficient.
Business interruption insurance in Douglasville, GA:
Business interruption insurance is often overlooked but very important. When a catastrophe or loss shuts down your business, you'll want ways to pay the bills. This coverage will keep you running for 12-24 months. Talk with an agent about adding business interruption insurance to your commercial general liability policy.
Flood insurance when you own a commercial property:
Flood insurance is a separate policy for your home and your business property. To have coverage for flood damage, you'll want to get quotes from an adviser. Contact a Douglasville independent agent about these coverages and more.
How to Attract and Retain Employees with Benefits in Douglasville, GA
When your company offers to pay for all or part of employee benefits, this can go a long way. If you need to add value for future hires and current staff, employee benefits can help. 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 can consist of healthcare and even gym memberships. If you're looking for a creative way to add value, an adviser can help. Contact a Douglasville independent agent to create a package for your company.
Why Your Douglasville, GA Business Needs Worker's Compensation Insurance
Douglasville, GA mandates that every employer carry worker's compensation insurance. If you have three employees or more, it's required. An independent agent can help you find the best policy for your money. Take a look at what worker's compensation covers:
- Pays for medical expenses of an employee who gets injured or becomes ill on the job.
- Pays for lost wages of an employee who gets injured or becomes ill on the job.
While coverage isn't required when you have less than three employees, your agent may recommend it. To have the right protection from a loss, you'll need to carry a policy as soon as you have one staff member. Speak with a Douglasville independent agent to find the right worker's compensation coverage for your business.
Is Your Current Liability Coverage in Douglasville, GA Sufficient?
There are different forms of liability insurance for your business. Knowing which one to get can be confusing. If you have the help of an adviser, you can get the right coverage for a low price. In the meantime, take a peek at the standard liability policies below:
Commercial general liability insurance in Douglasville, GA:
A commercial general liability policy can protect your business from a variety of liability claims. When you own a company, a commercial general liability policy is necessary. To get the right limits of liability, connect with an independent agent.
Cyber liability insurance in Douglasville, GA:
A cyber liability policy will help pay for a loss arising out of a breach. If your clients' and employees' data gets stolen, you'll be responsible for any damages. Let's take a look at the facts:
- Number of US identity records exposed in 2019: 164.68 million
- Number of US data breaches in 2019: 1,473
Unfortunately, the majority of business owners don't have protection for a cyberattack. A trusted adviser can suggest a cyber liability policy that won't break the bank. Connect with an independent agent in Douglasville today.
Umbrella insurance in Douglasville, GA:
Umbrella insurance will cover a more substantial loss in the event your underlying commercial general liability policy limits become exhausted. This can happen quite often in commercial claims. Get all the coverage your business needs through an independent agent.
Why Work with an Independent Agent in Douglasville, GA?
To find the right business coverage, you'll need a professional. An independent insurance agent can help you find a policy for an affordable price.
They have dozens of options because they work with several carriers, saving you time. An independent agent will help you for free, and they do the shopping for you. Go to trustedchoice.com to get matched with a local expert in minutes.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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