top of page
GENERAL LIABILITY INSURANCE
Everyone Makes Mistakes
Mistakes happen, but sometimes they put your business at risk. Errors & Omission insurance can help protect you against human error when it comes to any sort of accounting, accidental mishandling of money or finances, and more. In the same vein, Customized Insurance Brokers can also assist with Cyber Liability insurance, which offers protection for when your data is compromised, and medical malpractice, which specifically targets workplace accidents in healthcare professions.
What kinds of businesses need E&O?
Private Medical Practice
These are common examples, but E&O covers many more situations including discrimination lawsuits, pollution complaints, and more. Let CIB help evaluate your situation today!
Start Your Quote
Customized Insurance Brokers has decades of experience providing insurance coverage to every type of business. Tell us about your business and we will find the perfect combination of coverage for your needs.
Or call us at 770-755-1775
What does auto insurance cover?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.
Is auto insurance mandatory?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.
What determines my auto insurance rates?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
How does my zip code impact my Auto Insurance?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.
What does collision coverage cover?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.
What is Gap insurance?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.
What is an SR-22?A SR-22 is often considered insurance, but it technically isn’t. It’s simply a certificate from your insurer showing that you have insurance coverage. An SR-22 may be ordered by a judge if you have a less-than-perfect driving record, like getting dinged for multiple moving violations or a DUI. We have carriers that offer a SR-22 if you need one. Contact us today!
I participate in ridesharing like, Uber, Lyft, Grub Hub, etc. Are there coverages available for me?"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. 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.
Cyber Liability Insurance
In the age of big data, many businesses have a database of sensitive client information. This information can be crucial for running your business if you need that client data for marketing, analytics, or even daily operations (such as wealth management), but having this data puts you at risk. Cyber attacks have only increased over time, and small businesses are at the highest risk. If your data is compromised, the cost of restoring the data, your hardware, and notifying clients can be incredibly costly and even bankrupt you.
If you store client data in any form, today is the day to talk to an insurance agent about a Cyber Liability policy. Don't wait until your data is stolen -- protect yourself now!
Or call us at 770-755-1775
Medical Malpractice Insurance
Healthcare can be a tricky field, with every patient having different needs and expectations. Sometimes you won't match that expectation, or make a mistake that results in a lawsuit.
Medical Malpractice insurance helps you with claims of neglect, intentional harm, or poor practice in the courtroom by covering court costs and consultation fees. Similar to E&O, this insurance is meant to help protect you, your employees and your business against error, either intentional or unintentional. If you're not sure whether you need medical malpractice or not, talk to Customized Insurance Brokers today and we can help evaluate your situation.
Or call us at 770-755-1775
bottom of page