General Liability covers common risks that arise from individuals, companies, and clients that are not associated with your company. It protects against customer property damage as well as injuries. For example, if a person slips and falls in your establishment, general liability will cover that persons medical bills, loss wages, pain & suffering, etc. General Liability has several layers to it so there is also coverage for copyright infringement, advertising injuries, as well as slander.

While General Liability Coverage is not required, it is highly encouraged. Policies can start as low as $5 per month based on the business type. Additionally, many vendors and companies will require you to have general liability insurance before they do business with you. In some professions, in order for you to obtain a professional license, they will require proof of general liability insurance.

That will depend solely on the type of business you are running as well as its size. Many small business start at $1 million per occurrence with an aggregate of $2 million. A standard general liability policy can go up to $2 million per occurrence with a $4 million aggregate. If additional coverage is needed, a commercial lines umbrella can be purchased with limits that exceed $10 million.

The cost for a general liability policy varies. Depending on the business, they can be as low as $5 per month or exceed $5,000 per year. There are many variables to consider such as the type of business, specializations, time in business, gross receipts as well as the claims history.

Once we gather your business details, we can often times issue a certificate of insurance (COI) within minutes of starting the policy. The certificate can be sent straight to the client or the vendor on behalf of the client.

Some types of E&O policies will extend to data breaches, but much more commonly if you store a large amount of sensitive client data, you would want to get Cyber Liability Insurance, which Customized Insurance Brokers can also help you with. E&O is more common for clerical errors as opposed to targeted attacks of your system.

Yes, E&O insurance can cover some medical lawsuits, but Medical Malpractice insurance offers broader coverage for specific medical situations. If you're in private medical practice and unsure which applies to you, contact us for an evaluation.

Umbrella insurance can be very cheap, often only costing a few hundred a year while providing a million dollars of increased liability limits. This can provide you with full peace of mind for a minimal increase in policy amounts.

No, you do not have to get Umbrella Insurance, but it is often a good idea! It's inexpensive and can provide you ample protection against medical expenses and lawsuit fees.

You can bundle your umbrella insurance with Home, Auto, or just by itself! Talk with us about the best way to apply umbrella insurance to your situation.

Commercial Auto Insurance should be necessary for any business that relies on vehicles as a main part of its business. That includes any trucking, rental car businesses, food trucks, taxi services, tour services, and more. However, it also can apply to any businesses that uses cars for deliveries or employee transportation, even if that's just a small part of your business.

Commercial Auto covers many of the same things that a regular auto policy covers, such as collision, property damage, bodily injury, uninsured motorist and more. However, because commercial vehicles often have multiple different drivers, operate during specific time frames, and you may have more than one, the considerations that go into the policy are different. Talk with Customized Insurance Brokers today about a Commercial Auto policy.

The amount of Commercial Auto Insurance your business needs depends on whether you're protecting against accidents or meeting Georgia Department of Transportation requirements. Generally, carrying at least $1,000,000 CSL (combined single limit) coverage is advisable to cover bodily injury and property damage up to $1 million.

If you regularly use your vehicle for any of the following:

-Transporting equipment

-Driving clients to and from destinations e.g. viewing houses,

-Hauling heavy work related items

-Delivering and installing equipment

While not all inclusive, these are instances when you should consider a commercial policy or purchasing a policy know as hired and non owned auto which would insure you when you are using your personal vehicle for work related tasks.

Yes you can! Simply give us a call and will will just need the following:

To add a driver: Full Name, Date of Birth, Driver's License Number, and CDL status

To add a vehicle: Vehicle Identification Number, Year/Make/Model, Mileage, Vehicle Use

To remove a driver or vehicle, we will just need to know which vehicle and/or which driver.

You sure can! We are very versed with the limits and requirements needed to get and keep your authority. Many of our clients are over the road truckers so we know how important it is for the paperwork to be correct and filed in a timely fashion.

To get a Certificate of Insurance, just give us a call. We typically issue certificates the same day, often within an hour.

To file a claim, you can contact us and we can get you over to your specific carrier or you can contact your carrier directly. They will ask for your policy number, basic information regarding your business, and a description of the accident. Once they have this information, they will set up a claim, get an adjuster filed, and you will be on your way to utilizing your coverage.

Yes, all states require you to have insurance for anything you are driving on the road; basics such as collision and property are required, the same as they are for regular vehicles. However, other costs such as replacement cost, value of the items inside the RV, and amount that you use the RV can all factor into the cost of your policy, so it's important to talk to an agent who can help customize this insurance for you.

Yes, replacement value can be based on agreed upon value of the boat. Having someone assess your vehicle or boat and give a replacement estimate can be a valuable part of getting the right price in the case of a total loss. Make sure you work with experts who can help you with assessments and agreed value.

Flood Insurance covers physical damage due to rising water to the building and contents of an insured location. The coverage is going to be based on the coverage purchased by the insured.

Your name and address is all we would need to get you a flood insurance quote.

No. Flood insurance is specifically excluded from Home insurance policies. Not to be confused, water damage e.g. a busted pipe is covered.

A flood elevation certificate is a tool used to document and confirm a buildings elevation in high risk areas relative to the estimated height floodwaters will reach in the even a major flood occurs.

The average cost of a policy through the NFIP is about $700 a year, but your premium cost might adjust depending on your property's flood risk, the type of coverage you need, and the location of your home. If you are in a low-to moderate risk area, you might qualify for the Preferred Risk Policy that provides building plus contents coverage for as little as $129 per year.

In Georgia, all businesses with employees, even part-time, must have worker's compensation insurance. If you have independent contractors and are unsure about your requirements, give us a call. We'll help you evaluate your situation!

Worker's compensation insurance can change based on how many employees you have, what type of business you run and the risk associated with it, and how much protection you want to give your employees. Normally, the minimum cost for a worker's compensation policy in Georgia is about $1,500 for the year. Talk with us today to get a quote and furthermore a comprehensive plan in place that covers your business type specifically!

The employer’s liability section of workers’ compensation protects the employer from lawsuits related to an injury, such as claims that the employer’s negligence caused the injury.

Your workers’ compensation insurance includes employer’s liability insurance. If you purchased workers’ comp from a monopolistic state fund. If so, you can add this insurance as an endorsement under a general liability policy.

Depending on the business, we are able to get coverage for your business within minutes of acceptance of a quote.

Motorcycle insurance prices can vary due to many factors, including how often the bike is used, what kind of bike it is, the travel distance on the bike, what sort of attachments or add-ons have been made to it, and how difficult original parts can be to replace. The best way to know is to talk to a representative about your situation to get a quote.

Every state except Florida requires road driven motorcycles to have insurance that at least cover bodily harm and property damage. If you have a small dirtbike used on your own property, it's not strictly required, but can still cover costs associated to damage to the vehicle or medical mishaps, so it's usually a good idea.

Yes, you can bundle motorcycle insurance with your auto insurance (depending on which insurance company your policy is written through). Talk with your insurance rep today about whether or not you could save money by bundling!

Your car insurance coverage depends on the type of policy you purchase. Different types of car insurance include:

• Bodily injury (BI) and property damage (PD) liability coverage for damaged caused to other people or property.

• Personal injury protection (PIP) to cover medical expenses and other damages.

• Collision and comprehensive coverage for damage done to your vehicle in collisions, and in non-collisions (i.e., fire, vandalism, or theft).

• Uninsured and underinsured motorist (UM/UIM) coverage protects in the event of an accident where the at-fault driver doesn’t have insurance.

Georgia consumers must have automobile liability insurance for at least the minimum limits required by law to drive on the Georgia public roads and highways. The minimum limits of liability required under Georgia law are Bodily injury Liability of $25,000 per person, $50,000 per occurrence and Property Damage liability of $25,000 per occurrence. Liability insurance is insurance that pays damages to others, on behalf of an insured, for injury to or damaged property of others, up to the policy limit, which an insured may have caused by his negligence or may protect him against claims made against him by someone who alleges he was at-fault.

Car insurance rates depend on a number of factors. These include:

• Personal details like age, sex, and marital status

• Where you live

• Average annual distance driven

• Your vehicle

• Your credit

• Your coverage amount and type

Your "garaged address" is very important in deciding your auto insurance premiums. Living in the city of Atlanta will yield higher insurance premiums than a suburb of Atlanta due to the congestions and the increased liklihood of accidents occuring based on the congestion. This is also the reason why moving from one place to another and updating your address can yield to a difference in your insurance premiums.

Collision coverage covers the cost to repair or assist in replacing your vehicle if it is damaged in an accident with another vehicle or object, such as a mailbox, house, fence, tree, etc. Most standard auto insurance policies cover the damage at actual cash value which means that the payout will be the value of the vehicle at the time of the loss. For brand new vehicles, many carriers have endorsements that will replace the vehicle completely or repair it with OEM (Original Equipment Manufacturer). There are also stated value policies for collector vehicles that would pay the amount stated on the policy.

Gap insurance fills the gap between what your insurance company pays and for accident or theft, and what you owe on an existing car loan.

Car insurance pays out depending on your car’s current value. Because many cars lose value quickly, you may find yourself in a situation where you owe more on a loan than what the car is actually worth — for instance, you buy a $30,000 car and in one year it is valued at $22,000, but you still have $25,000 left on your own. Gap insurance covers that $3,000 difference.

An SR-22 certificate is not insurance but a document from your insurer proving you have coverage. A judge may order an SR-22 if you have a poor driving record, such as multiple violations or a DUI. We offer SR-22 certificates if needed. Contact us today!

Absolutely! We have several carriers that offer this added on coverage to protect you during the period of time that your traditional coverage would not cover.

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Rideshare trips are divided into “periods.” Period 1 is when the driver has the rideshare app open but hasn’t matched with a passenger; Period 2 is when the driver and passenger are matched but the passenger hasn’t been picked up; and Period 3 is when the passenger is in the car. Rideshare companies provide coverage throughout, but especially during Period 1 this coverage can be limited. Give us a call today so we can pair you with a carrier and make sure you are adequately covered.

Pet Insurance can help cover all kinds of costs related to your animals, including help with routine check-ins, dentals, medication costs, and surgeries. If you have a large dog (100+ lbs), the cost of medication and surgeries can be into the thousands. Having insurance to cover surprise costs if your pet has an injury or a disease can help front the vast majority of the costs.

Right now, the majority of insurance companies only cover domestic dogs and cats, but some companies are able to cover more, such as birds and reptiles. Livestock and farm animals can be covered in separate farm and agribusiness policies, which you can also talk with our agency about.

Many verterinarian offices take Care Credit, which is a line of credit specific to healthcare needs for pets and people. It functions the same as a credit card though, where you can put the amount on the card and pay it off over time. Pet insurance, on the other hand, is the insurance company taking the brunt of the cost and you are only left with a co-pay.