Insurance Products GA

Commercial Lines

Workers' Compensation
Insurance policy providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the tort of negligence.
Commercial Auto (Liability & Physical Damage)
Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.
Commercial Auto Hard to Place
Commercial auto policy for difficult or unique risk types that are usually categorized as hard to place due to lack of experience, poor claim frequency/severity, prior cancellation/nonrenewal or lack of market availability. List of Business Types: * Extra Heavy Trucks * Fleets * Land Recreational Vehicles * Long Haul Tracking * Non Hired/Hired/Drive Other Car * Non-Owned Hired Auto * Rental and Leasing Vehicle Companies * Tow Trucks * Waste Garbage Carrier
Businessowners' Policy (BOP)
A BOP policy bundles property, liability and other coverages a business owner may need all under one package policy. It is usually sold at a lower premium than the cost of all the individual coverage is sold separately.
Commercial Package Policy
A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Bars & Taverns
Commercial Package Policy tailored for businesses in the hospitality industry such as hotels, motels, restaurants, bars, taverns, and nightclubs.
Offices
A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Restaurants & Cafes
Commercial Package Policy tailored for businesses in the hospitality industry such as hotels, motels, restaurants, bars, taverns, and nightclubs.
Retail
A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Shopping Centers
A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Lessor's Risk
Policy designed to provide liability and property protection for building owners who lease their building. Coverage is designed for owners of commercial property, such as warehouses, shopping centers, office space, apartment buildings and other building types.
General Liability
A standard insurance policy issued to business organizations to protect them 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.
Excess Liability
A type of policy that provides limits that exceed the underlying liability policy.
Professional Liability
A type of liability coverage designed to protect traditional professionals (e.g., accountants, attorneys) and quasi-professionals (e.g., real estate brokers, consultants) against liability incurred as a result of errors and omissions in performing their professional services.
Contractor Equipment Floater
A form of property insurance covering loss or damage to equipment that is often moved from place to place.
Umbrella
Extra liability insurance coverage that goes beyond the limits of the insured’s underlying liability policy. It provides an additional layer of security to those who are at risk for being sued for damages to other’s property or bodily injury to others in an accident.
Personal Umbrella
Type of insurance designed to add extra liability coverage over and above another insurance policy, such as auto or homeowners insurance.

Personal Lines

Apartments
A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Homeowners
Form of property insurance covering losses and damages to an owner-occupied home and to the personal property of the insured. It also provides liability coverage against accidents in the home or on the property.