General liability
Bodily injury, property damage, personal injury, and advertising injury — the catch-all most contracts require.
Business
Commercial coverage for shops, contractors, and farms — not a binder full of guesswork.
General liability, commercial auto, property, workers’ compensation, and business owner packages. Certificates, additional insureds, and the contract language your GC actually asked for.
What we write
Commercial auto
Personal auto policies do not cover vehicles used in the business. This one does.
Commercial property
Building, contents, and equipment against fire, theft, and storms. The commercial version of a homeowners policy.
Workers’ compensation
Medical bills and lost wages if an employee is hurt on the job. Required for most Georgia employers.
Business owner package
A bundled policy for Main Street shops — property, liability, and business income in one place.
Questions we hear a lot
I work from a truck. Is that commercial auto?
If the vehicle is used for the business — deliveries, job sites, hauling tools — personal auto is the wrong policy. We will quote it the right way.
Do I need workers’ comp with only one employee?
In Georgia, most employers with three or more employees must carry it — and some trades have tighter rules. Call us; guessing here is expensive.