Personal umbrella is a broad coverage liability policy designed to protect your personal assets from bodily-injury and property-damage lawsuits. Issued in increments of one million dollars, the coverage is considered excess over insurance covering your auto, home, boat, other RV’s and rental property. Besides acting as excess over these policies, the umbrella grants some coverages not even found in some of these basic policies, such as personal injury (unintentional libel, slander, false arrest, defamation of character or privacy invasion), liability for property rented or in your care, and worldwide liability provisions.

These coverages can be found in varying combinations, depending on the specifics of the company issuing the policy.

Even if you have no other insurance through us, you are welcome to call and inquire about a personal umbrella.

Personal umbrella should be part of everyone’s portfolio of protection!

Please note that all descriptions of policy forms and coverages are generalizations,
and are superseded in all respects by the insuring agreements, exclusions and conditions of the policy.

Homeowners insurance does not cover flood damage.

One third of all flood losses occur in areas considered to be low or moderate risk areas. Even if you do not live near water, heavy rains, blocked storm drains or collapsing retention ponds can be the culprit. Flood insurance is available in virtually every community in metro Atlanta. The process of obtaining flood Insurance is usually very easy. We are glad to assist you with this, even if we do not handle your homeowners insurance.

Please note that all descriptions of policy forms and coverages are generalizations,
and are superseded in all respects by the insuring agreements, exclusions and conditions of the policy.

When the main provider in a family dies, there are two financial concerns to be addressed: immediate expenses and continuing expenses.

The immediate expense is what most often comes to mind. These are things such as funeral expenses, unpaid medical bills, estate taxes and expenses.

Continuing expenses are most often overlooked: Will your children be able to go to college? Will the mortgage be satisfied? Other debts?

Consider also the cost of a caretaker for small children if you must continue working.

For these reasons, you and your spouse should have separate and adequate life insurance.

We have competitive term-life rates through several companies.

Please note that all descriptions of policy forms and coverages are generalizations,
and are superseded in all respects by the insuring agreements, exclusions and conditions of the policy.

If you have a small to medium size business, call us for a quote!

Here is just a sampling of the types of businesses for which we can provide coverage:

Accounting services, bakeries, barber/beauty shops, most retail stores, churches, most wholesalers, computer and technology services; most trade contractors, such as landscapers, electricians, wallboard installers, painters, plumbers, tile or flooring installers and janitorial services.

We can also accommodate most office policy needs, such as medical, veterinary, architectural and legal, to name a few.

We also insure commercial buildings and heavy equipment.

If your business is not listed, call us anyway!

Please note that all descriptions of policy forms and coverages are generalizations,
and are superseded in all respects by the insuring agreements, exclusions and conditions of the policy.

If you have employees or even one employee, you have an exposure that your general liability excludes. If an employee sues you for harassment, discrimination, wrongful termination or mental anguish, it can be financially devastating, even if the allegations are unfounded. EPL insurance is designed to provide defense costs and indemnification for judgments against you.

Please note that all descriptions of policy forms and coverages are generalizations,
and are superseded in all respects by the insuring agreements, exclusions and conditions of the policy.

Not all accidents result in bodily injury or property damage.

If you engage in a profession, an error in judgment or a failure to make recommendations can result in legal proceedings. Here again, even the legal expense to defend can be costly. Professional liability, sometimes referred to as errors and omissions (E&O) coverage, can protect your assets, where general liability will not. This coverage is not just for doctors and lawyers. Other professions are those such as home inspectors, realtors, architects, veterinarians and software designers. Liability for errors in tax preparation and notary public signatures is also available for nominal premiums.

Please note that all descriptions of policy forms and coverages are generalizations,
and are superseded in all respects by the insuring agreements, exclusions and conditions of the policy.

For builders and contractors, we are able to issue code compliance bonds, required by various municipalities, with no requirement for any other business.

We also have available fidelity bonds which protect you against employee theft, embezzlement, etc.

Please note that all descriptions of policy forms and coverages are generalizations,
and are superseded in all respects by the insuring agreements, exclusions and conditions of the policy.