Mall of Georgia Service Solutions | 4180 Buford Drive | Buford, GA 30518
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Buying business insurance coverage tends to be one of those things that you just want to get finished with and shove to the back of your mind so you can focus on more pressing daily matters.
As a small Georgia business owner, though, your insurance coverage may be the most valuable investment you make in your company. Business insurance policies protect you, your employees, your business, and its subsidiaries against a range of potential damage. Having the right insurance can mean the difference between recovering from a setback and closing your doors for good.
To get you started, here are some basic things we’ll go over with you to get the personalized coverage you deserve.
Business Insurance Features
A Business Owners Policy, or BOP, usually covers many of the basic insurance needs of most small businesses. There is no standard set of policies under
this type of package; it varies from one insurance provider to the next. Generally, though, you can expect a BOP to cover damage or loss to the building itself or its contents, and liability protection for your business operations both on-site and from your products upon operation completion. While a business owner’s package is great and, yes, you will need it, there are still several things that it will not protect against, namely professional liability and workers’ compensation.
Professional liability insurance, sometimes called Errors and Omissions or E&O, is different from a general liability policy which protects against things like bodily injury and property damage. Professional liability coverage is designed to protect you and your business in the event that a client or customer raises a claim that an error or omission on behalf of your company has resulted in their financial loss. A significant claim of this nature could cost you some serious cash if you are not protected.