Business and Commercial Insurance in Savannah, GA

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General liability insurance can prevent a legal suit from becoming a financial disaster by providing financial protection if your business is sued or held legally responsible for some injury or damage.

General liability pays losses arising from actual or alleged bodily injury, property damage, or personal injury on your business premises or from your operations.

Broad Range of General Liability Protection

• Bodily injury, including the cost of care, the loss of services, and the restitution for any death that results from injury.
• Property damage coverage for the physical damage to property of others or the loss of use of that property
• Products-completed operations provide liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or a service your company provided.
• Product liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injuries or accidents.
• Contractual liability extends to any liability you may assume by entering into various contracts.
• Other coverage includes reasonable use of force; borrowed equipment; liquor liability; non-owned vehicles (such as aircraft and watercraft); fire, lightning, or explosion damage; water damage liability protection; legal defense costs; medical payments; personal injury; advertising injury; and specialized liability protection for specific business types.

Business Owners Policy (BOP) in Georgia is a comprehensive insurance package designed for small to medium-sized businesses. It combines various vital coverages into one convenient policy, including: 

• Includes General Liability: Protects against bodily injury or property damage claims.
• Commercial Property Insurance: Covers business physical assets like buildings and inventory.
• Business Interruption Insurance: Offers financial help if business operations are halted due to a covered event.

This type of policy is tailored to meet the unique needs of business owners, offering a blend of coverage that's both cost-effective and convenient.

Builder's Risk Insurance in Georgia is a specialized type of property insurance specifically designed for buildings under construction. This insurance is crucial for construction projects for the following reasons: 

• Covers Structure and Materials: Includes the building and materials on site or in transit.
• Protection Against Various Risks: Such as fire, wind, theft, and vandalism.
• Purchased by Owners or Contractors: Key for managing risks during construction.
• Financial Protection: Safeguards investment against unexpected damage or loss.

Liquor Liability Insurance in Georgia is essential coverage for businesses that sell, serve, or assist in purchasing or using alcohol. This type of insurance provides protection against:

• Protection Against Damage or Injury Claims: Arising from intoxicated patrons.
• Compliance with Georgia's Dram Shop Laws: Addresses liabilities imposed on establishments serving alcohol.
• Covers Legal and Medical Costs: Associated with alcohol-related incidents.
• Critical for Bars, Restaurants, Nightclubs: Mitigates financial risks linked to alcohol service.