Business Insurance for Georgia and Tennessee

As a business owner, you’ve worked hard to hone your craft, to manage your team, and to grow your success. To protect everything you have worked for, you need a commercial insurance package that will cover each facet of your business. Our experienced Commercial Lines team will work with you to determine the precise risks your business faces.

Commercial General Liability

Protection for third-party bodily injury and property damage claims may be insured under a Commercial General Liability Coverage Form which includes coverage for both premises and products-completed operations exposures.

Commercial Umbrella Insurance

A commercial umbrella policy serves two purposes. First, it provides an excess liability limit over the scheduled underlying policies. Second, it fills some gaps in the underlying coverage. There is no standard umbrella policy. Therefore, coverage comparison is a must. Key areas of comparison are: exclusions, deductibles, whether a follow-form is offered over unusual underlying exposures, limits, and defense cost (in or out of the limits).

Commercial Auto Insurance

Business auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads.

Business Owners Policy

The business owners policy is designed like a commercial homeowners policy. It provides property, liability, inland marine, crime and hired/non-owned auto coverage in one neat package. While customization is permitted, the options are fairly limited when compared to commercial package policies.

Pollution Liability

Pollution liability coverage may be written to cover the pollution exposure associated with the insured’s property and operations, including costs of cleanup and remedial (corrective) action at third party demand or government order. The pollution exclusion in general liability insurance effectively eliminates coverage for damages for bodily injury, property damage and cleanup costs arising from most types of pollution release. Consequently, tailor-made protection for the pollution exposure of numerous insureds in this category is essential. There are specific policies for remediation operations or abatement contractors. Coverage can address lead-based products, asbestos or numerous other hazardous substances.

Professional Liability

Professional liability coverage is designed to protect the professional from actions that stem from their professional capacity and training. The coverage is called “professional” for some and “errors and omissions” for others, depending on the particular coverage form and the company issuing the coverage.

Director’s and Officer’s Liability

Director’s and officer’s liability coverage insures corporate directors and officers against claims, usually by stockholders, alleging loss arising from mismanagement. Claims may also be made by parties other than stockholders against the corporation for mismanagement, which would also be covered.

Employment Practices Liability

Employment practices liability insurance covers lawsuits brought by employees (past, present or prospective) or governmental entities against the insured employer, alleging wrongful discharge, discrimination or certain types of harassment. 

Let us help you manage risk with business insurance. Contact us or call 800-627-4441 today for business insurance quotes from our partners. We can work with you from our offices in Calhoun, Cartersville, Dalton, Ringgold, Rome and Woodstock.