Store Insurance Georgia
In Georgia, every business with three or more employees is required to provide workers’ compensation coverage. Businesses that rely on cars and trucks to make deliveries, visit clients, or for other purposes will need commercial automobile insurance. Professionals who rent their office or other commercial space may need to provide proof of liability coverage such as general liability insurance or commercial property insurance before signing a lease. Other types of insurance are optional, such as professional liability insurance. Professional liability, also called errors and omissions insurance, helps protect specialists who provide expert advice to clients.
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Business Owners Insurance in Georgia
Also described by insurance companies as BOP, a business owners insurance in Georgia policy is as robust of a small business insurance policy as the state’s southern charm. It includes multiple coverages strung together in one policy. General liability along with property insurance makes up the two primary coverages in a business owners insurance policy. Legal liabilities, operating equipment, and business structures are all types of coverages in business owner’s insurance in Georgia. Above all else, a business owner’s insurance policy transfers risk from the Georgian business owner to the insurance company. Georgia business owners insurance provides a shield for the small business owner by protecting her from claims pursuant to legal liability, professional liability, property claims, and personal liability. But claims made in relation to equipment breakdown, securities and money, loss of income, valuable papers, and fire can also be included in a Georgia BOP.
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General Liability
Commercial liability insurance (also called business liability insurance and commercial general liability insurance) protects your Georgia business from financial loss resulting from claims of injury or damage cause to others by you or your employees. A policy typically covers:
- Bodily Injury – physical damage to a person other than an employee at your place of business and injuries caused by you or an employee at a client’s home or work place.
- Property Damage – damage caused by you or an employee to someone else’s property.
- Personal Injury – libel, slander, copyright infringement, invasion of property or privacy, wrongful eviction, false arrest and similar acts that cause damage to a person’s reputation or rights.
- Advertising Injury – losses caused by your advertising
- Legal Defense and Judgments – costs to defend against real and frivolous suits and judgments up to the limit of your coverage. Note this generally does not include punitive damages for negligence or willful misconduct.
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