At First Priority Insurance, we offer several different types of insurance for business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.
Learning more about what your business needs to stay afloat is something that should be at the top of your priority list. Commercial insurance from First Priority Insurance is designed specifically to protect your company from the regular challenges it may face. A variety of policies are available to lend a helping hand when someone slips and falls in your restaurant, or a fire burns your inventory. Reliable commercial insurance is the only way to go in Georgia, and throughout the country.
Commercial insurance provides many types of policies from liability to commercial auto. Finding a fully loaded commercial policy can mean the difference between a big lawsuit or a hurt employee. Finding out that your company vehicle has been totaled could be a lot less stressful with the right coverage. It is important to discuss your daily work activities with an insurance agent to correctly assess your needs.
Worker’s Compensation insurance is a major part of finding coverage for your business. Worker’s comp allows you to pay for any incidents that involve injuries with your employees. Without a policy, you could be on the line for medical bills and a possible lawsuit.
First Priority Insurance in Morrow, GA has the resources you need to find reliable commercial insurance. Our team makes it a priority to assist small and large businesses with protection and coverage. Reach out to our office in Morrow, GA to speak with our agents, and learn how you can get started with a quote and have your questions answered.
Workers’ Compensation Insurance
This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.
Property & Liability Insurance
Commonly referred to as a business owner’s policy (BOP), it combines general liability insurance with coverage for your company’s property. You’ll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running, such as the use of a temporary location.
Business Legal Insurance
Business legal insurance, or legal protection insurance, is insurance that pays for advice and representation from lawyers. Lawyer fees can quickly add up to thousands of dollars, especially if you end up in court, so business legal protection insurance could save a lot of money for your small business.
Legal protection insurance can cover three areas:
Professional Liability Insurance
Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees when someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.
Commercial Auto Insurance
If your company owns or leases vehicles, this policy protects the vehicles and drivers from any damage incurred during business. Our commercial auto insurance policies are offered through Progressive Insurance.
Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.
General Liability Insurance
Also known as commercial liability insurance, a general liability policy is important, because general contractors and landlords often require a policy before they hire you. The policy covers damages and legal costs associated with injury claims to customers and other people you don’t employ, damage to other people’s property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement.
This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.
Motor Truck General Liability Insurance
A growing number of risk managers require for-hire truckers to have Motor Truck General Liability insurance. It pays for injuries or property damage you cause as a result of business activities not directly related to operating your truck. When you purchase Motor Truck General Liability insurance, it provides the following coverages: Bodily Injury and Property Damage Liability, Personal Injury and Advertising Injury Liability, Medical Payments, Products / Completed Operations, Damage to Premises Rented to