Business insurance
Business insurance for the businesses down the street
Contractors, shops, offices and service businesses. We start by learning what you actually do, because that decides which coverage you need and what it costs.
- Business owners policies for property and liability together
- Commercial auto for the trucks and vans
- Workers' compensation when your state requires it
Coverage
Coverage most small businesses start with
The right mix depends on your work, your vehicles and your employees.
Business owners policy
Property and general liability packaged together, usually at a lower cost than buying them separately.
General liability
Injuries to customers and damage to their property caused by your business.
Commercial auto
Vehicles owned by or used for the business. Personal auto policies often exclude business use.
Workers' compensation
Medical bills and lost wages for employees hurt on the job.
Commercial umbrella
Extra liability on top of your general liability and commercial auto.
Professional liability
Claims that your advice or service caused a client financial harm.
What we teach every client
Three questions to ask about your business coverage
Is your truck covered for work?
A personal auto policy may not cover a vehicle used mainly for business. If you haul tools, equipment or customers, ask how the vehicle is rated.
Do you need workers' comp?
Georgia requires it once you have 3 or more employees. Alabama and Tennessee require it at 5. In Alabama and Tennessee, construction businesses need it at any size.
Does your contract require certain limits?
General contractors and commercial landlords often require specific limits and additional insured endorsements. Send us the contract and we'll make sure your coverage meets it.
Policy review
When we quote your business, we ask about
If your coverage is solid, we'll tell you so and you keep it.
- What you do and where you do it
- Annual revenue and payroll
- Employees and subcontractors
- Vehicles and who drives them
- Contracts that set insurance requirements
- Equipment and property you own
Questions
Common questions
What's a business owners policy?
A BOP packages property and general liability coverage together for small businesses. It's often the most cost-effective place to start.
Do I need commercial auto?
If a vehicle is owned by the business or used mainly for work, usually yes. We'll look at how each vehicle is used.
Can you add a certificate holder for a job?
Yes. Call or email us with the details and we'll send the certificate.
Send us your current policy
We'll go through it with you, explain what it pays for and what it doesn't, then build a quote around what you want covered. If yours already covers what matters to you, we'll say so.