Rome Business Insurance

How to get the most coverage for your money

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Rome Georgia business insurance

Rome, GA is home to healthcare, manufacturing, and education. It is the largest city in Northwest Georgia and was once the central hub for trade and transportation. 

When you own a business in this town of 36,375 residents, you'll need an adviser. An independent insurance agent can help find the right coverage for a low price. You can match with a local expert in your area today. 

Do You Have the Right Kind of Liability Coverage for Your Rome, GA Business?

There are several coverages you can get when it comes to your operation. Some will apply, while others you can do without. To ensure you are getting the right protection for your company, discuss it with a trusted adviser. In the meantime, take a look at basic liability insurance every business owner should have:

Commercial general liability insurance or CGL explained:

This policy is the backbone of your business insurance plan. A CGL policy will protect your company from a lawsuit. To make sure you have the right limits connect with an independent agent.

Cyber liability insurance in Rome, GA:

While you may think that your cyber exposure is low, the truth is your system could be hacked through a simple email. When your company has a data breach, you're responsible for the loss. If you're without cyber liability insurance, you're without coverage. 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

Get with a Rome independent agent to make sure you have a cyber liability policy in place. 

Umbrella insurance for your Rome, GA Business:

A CGL policy may not be enough sometimes. When a claim gets large, you'll need umbrella insurance. This policy provides another layer of protection when your underlying limits have been exhausted. Speak with a Rome independent agent to go over your liability coverage today.

Will Your Rome, GA Business Have the Protection It Needs without These Coverages?

Adequate insurance is necessary when covering your operation. If you're without any of these coverages, you could suffer a huge financial loss. Go over your policies with a local expert to review. Check out these insurance options your business may need:

Flood insurance in Rome, GA:

Like home insurance, if you own a commercial property, you'll need flood protection. A separate policy is necessary to have the right coverage against flood damage. Get with a Rome agent to obtain flood insurance quotes.

Commercial property insurance in Rome, GA:

Your commercial property is a significant asset and should be properly protected. When you get quotes on your property, make sure you review it with a trusted adviser. Some policies won't give the full replacement cost of your structure. 

Business interruption insurance for your Rome, GA company:

Business interruption insurance will help pay for your expenses while your operations are shut down for some time. This can be used for a period of 12 - 24 months, depending on the carrier. Talk with an agent about adding this to your CGL policy.


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Does Rome, GA Require You to Carry Worker's Compensation Insurance?

Rome, GA mandates that every employer with three employees carry worker's compensation coverage. Most advisers would recommend insurance with just one employee. An independent agent can help obtain a policy. Let's see how worker's compensation provides coverage:

  • 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

When you're without worker's compensation, your business is responsible for any expenses. This could negatively impact your finances. To protect your company's bottom line, contact a Rome independent agent on your coverage. 

Employee Benefits Coverage Can Retain Rome, GA Staff

If you offer employee benefits, you can entice your current staff to stick around. By adding value, you can help retain and attract employees. With the costs of healthcare rising, any contribution would be beneficial. 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 contribute to all or part of the premium amounts of health, life, and disability insurance. You can create a benefits package that suits your needs with a Rome independent agent.

Work with an Independent Agent in Rome, GA

When you work with an independent insurance agent, you'll get the best business coverage for a low price. Since they have access to dozens of markets, they're able to shop around.

An independent agent won't cost your company a dime and can only help. Connect with a local expert on TrustedChoice in minutes. 

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