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Commercial Insurance in Georgia
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According to the U.S. Small Business Administration's Office of Advocacy, as of 2007, a majority of Georgia's small businesses were scientific and technology related or entailed retail trade. However, it doesn't matter what business you decide to open, one of the first steps you must take is figuring out the ideal commercial insurance policy for your business that follows state laws. At The Nolan Group, we offer the Cumming, GA area commercial insurance to protect your assets because you never know what could happen.
Commercial insurance consists of a few different types of insurance including liability. This particular insurance covers bodily injury if someone outside of those employed through your business sustains an injury. Property damage insurance covers a situation in which you or an employee should damage someone else's property. Liability covers personal injury including slander, false arrest, and copyright infringement. It also covers the cost of legal defense as well as advertising injury.
This particular insurance isn't mandatory in "The Peach State" but is recommended since one lawsuit could cause you to have to close your business. Keep in mind; the state doesn't have a limit on the compensation someone can receive from a lawsuit against a company.
Worker's compensation insurance covers your employees in the event something happens to them while they're working. It includes medical expenses in addition to lost wages. In the state of Georgia, it is a requirement if you have three or more people. It doesn't matter if these individuals are full or part-time.
Commercial Auto Insurance
Commercial auto insurance is a requirement for anyone who uses a vehicle for business purposes. For instance, you want to have insurance to cover if you have drivers who deliver your products, but if your employees use their own cars to meet with clients, their insurance will cover their vehicle.
To receive more information about commercial insurance and discuss our policy options for your company, contact The Nolan Group, serving Cumming, GA, and the surrounding areas, by calling 770-945-6662.