Call now to discuss your insurance needs: 912-925-8855

Automobile


All businesses have a need for automobile coverage, whether for hired and non-owned autos or a fleet of business vehicles you own. Coverage for your commercial automobiles can be included in your package policy. You can purchase protection for a wide range of vehicle types, including specialized vehicles unique to your operations. - See more at: www.cinfin.com/businessinsurance/products/business-automobile#sthash.S5DGbDHg.dpuf

Property


Property insurance will  cover buildings, including additions under construction, business personal property &
leased business personal property used in your business.

Some of the optional coverages available are:


  • Building laws safeguard 
  • Inflation guard coverage
  • Equipment breakdown coverage/Utility services
  • Data Compromise and Identity Recovery Expense
  • Crisis Event Coverage



Crime & Employee Dishonesty



Commercial Lines Products

Workers' Compensation


How do you know if you need a Workers' Compensation policy?

It depends on the number of employees in your company.  Workers' compensation rates vary depending on the type of work your company performs and the payroll for each category of work performed.


How many employees must I have in order to be required to provide workers' compensation insurance?

If you regularly employ three or more persons in your Georgia business, you are required to provide the benefits.

Does this include part-time employees?

Yes, as long as they are regular.


Can officers waive coverage on themselves?
Yes. As many as five officers may waive coverage on themselves. Each such officer must complete and sign a form WC-10 and file it with their insurance carrier.

For more information on Georgia Laws and Regulations, visit:www.sbwc.georgia.gov/insurance

Inland Marine


We offer the following types of Inland Marine Coverage:

  • Contractors' Equipment
  • Builders' Risk
  • Transportation Coverage
  • Electronic Data Processing Equipment
  • Installation Floaters

Most businesses need crime insurance to cover employee theft losses,  loss to money, securities and other tangible business property.  These are perils that are typically not covered under a standard commercial policy and need to be purchased in addition to your existing policy or they can be included as part of a commercial package policy.

Professional Liability


Insure against claims arising from your acts, errors or omissions in the rendering or failure to render specified professional services with professional liability and errors & omissions insurance coverages. Coverage is available for a wide variety of professions, including:

  • Dentists
  • Optometrists
  • Funeral service providers
  • Veterinarians
  • Clergy
  • Social Services
  • Printers

General Liability


General Liability coverage will protect you against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability. The additional coverages below are available depending on your business needs:


  • Employment Practices Liability Insurance
  • Employee Benefit Liability
  • Worldwide Business Liability protects your business when you do business in most parts of the world.
  • Bodily Injury Exceptions
  • Broadened CGL Endorsement
  • Sexual Misconduct Liability
  • Care, Custody or Control
  • Product Recall Coverage
  • Liquor Liability Coverage


Employment Practices Liability


EPLI coverage protects your business against claims or lawsuits arising out of wrongful termination, discrimination, sexual harassment, and retaliation. This policy can also protect you from other inappropriate workplace conduct.

Commercial Umbrella


A commercial umbrella policy extends above your General Liability coverage, automobile coverage and employers liability  to protect you and your business against insolvency. Purchasing a umbrella policy is one way to increase your limits on several policies while keeping the premium down.