Business Insurance in Atlanta

For reliable and affordable business insurance in Atlanta, the experts at Jones Group Insurance can help you create the ideal coverage plan to fit your needs. Companies selling coverage specific to businesses offer policies that combine protection from all major property and liability risks in one package. They also sell different types of coverage separately. One package purchased by small and mid-sized businesses is the business owners policy (BOP).

Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

BOPs include:

Property coverage for buildings and contents owned by the company. There are two different forms, standard and special, which provides more comprehensive coverage.
Business interruption coverage covers the loss of income resulting from a fire or other catastrophe that disrupts operations. It can also include the extra expense of operating out of a temporary location.
Liability protection, which covers your company's legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided.

BOPs do NOT cover professional liability, auto coverage, worker's compensation, or health and disability insurance. You'll need separate policies to cover professional services, vehicles, and your employees.

What would happen if a fire or other disaster destroyed your property, making it impossible for you to get back to operations right away? Would you remember what property had been destroyed? One way is by taking a complete inventory of all your personal business property, determining its value, and deciding what's worth insuring. Having an up-to-date inventory will help you get your claim settled faster, verify losses for the income tax return and help you purchase the correct amount of coverage.

Start by making a list of property, describing each item and noting where you bought it and its make and model. Clip to your list any sales receipts, purchase contracts, and appraisals you have.

The type of coverage you need depends on a number of factors including what kind of organization you operate. Let us work with you to find the most suitable coverage for your needs. To keep your costs down, we aid your search for a suitable policy by providing you with an agent you understands whichever type of company or organization you run. For business insurance in Atlanta that you can trust, call the experts at Jones Group Insurance today.