Insurance is available for nearly any risk your Georgia business may encounter. Most types of insurance are optional, while others such as workers’ compensation, are required by law. The insurance policies you choose will be vital to the success of your business. Without proper insurance, even what seems like a minor incident can be financially devastating for a business. At Hansard Insurance Agency, we work closely with businesses throughout Cumming, Dawsonville, Forsyth County, and Dawson County, to provide customized business insurance solutions that offer the protection you need.
Commercial insurance policies can provide coverage for:
- Lawsuits arising from injury or property damage to others.
- Damage or loss to a business location and its contents.
- Benefits for employees who are injured or become sick on the job.
- Interruption of normal business operations.
- Commercial vehicles.
Nearly all Georgia businesses will carry general liability, property insurance, and workers’ compensation insurance. From there, businesses can add various other policies to their commercial insurance program to cover the specific risks that they face.
General liability insurance protects you against claims of negligence and from lawsuits associated with injury or property damage that any third parties might suffer while on your premises. Your policy will cover damage, medical, expenses, and attorney fees related to these types of incidents.
Property insurance will protect your business from damage that may occur as a result of events such as fire, hail, and other various natural disasters. Loss or damage to your physical assets including buildings and their contents would be covered. This can include office furniture, inventory, we well as outdoor items such as landscaping or signs. Vandalism and theft of property are generally covered as well.
Like most states, Georgia law requires businesses to carry workers’ compensation insurance. If you regularly employ three or more people, you must provide worker’s compensation benefits to those employees. Regular employees can be both full-time and part-time employees. Workers’ compensation is a no-fault system. In the event of a workplace-related injury or illness, workers’ compensation ensures employees receive prompt medical treatment and adequate compensation for lost wages. Because employees are guaranteed these benefits, employers are protected from lawsuits associated with the cause of the illness or injury.
Many other optional commercial coverages are available depending on the type of business you are operating. This can include commercial auto insurance, errors and omissions insurance, directors and officers insurance, data compromise insurance, and much more. It can be a challenge trying to put together an insurance program that covers every situation your business may encounter. At Hansard Insurance Agency, we work closely with our clients so that we can fully understand their exact needs and goals. This allows us to provide the most comprehensive business insurance solutions, ensuring you are protected.
Contact Hansard Insurance Agency today to speak with our experienced agents about the commercial insurance options needed to protect your businesses. We specialize in offering comprehensive business insurance solutions to local Georgia businesses throughout Cumming, Dawsonville, Forsyth County, and Dawson County.