Providing Different Types of Insurance for Your Business
Workers’ Compensation Insurance
If you regularly employ three or more persons in your Georgia business you are legally required to carry Workers’ Compensation Insurance benefits, whether your employees are working full-time or part-time. Workers’ Compensation Insurance covers injuries and illnesses that may arise during the regular course of the job duties assigned to your employees, protecting you and your business from liability should a claim be filed against you. The Booth Insurance Group believes that your Workers’ Compensation Insurance needs should be addressed with both a comprehensive and a preventative approach, putting emphasis on the proper level of safety education for your employees and the implementation of safety and risk management procedures to help prevent workplace accidents and injuries, in addition to making sure you have the proper level of coverage for your employees. Workers’ Compensation Insurance premiums can be very expensive and they can climb even higher if you do not have adequate safety measures and educational standards in place for your employees. We look forward to providing you with an affordable policy and helping you establish the best possible safety standards to keep your workplace accidents and your premiums down to a minimum. We look forward to lending our expertise in helping protect both you and your employees from harm. Contact us today for a free safety evaluation and price quote!
General Liability Insurance
As a business owner in the state of Georgia it is critical that you have the proper level of commercial General Liability Insurance coverage in the case that you are faced with litigation as a result of alleged personal injury, property damage or bodily injury on your business premises or in connection with your business operations. The type and limits of your coverage will be greatly influenced by the specific industry you are in and the day to day activities that are commonly associated with your business. Depending on the industry you are in, you might require a basic policy with low limits. On the other hand, you may need to have increased coverage limits and additional excess coverages if you are in a high risk profession or industry. Even in a low risk industry, there are often specific risks that need to be examined carefully as they relate to each individual business. We want to help take the guesswork out of getting the general liability protection your business needs. The professionals at The Booth Insurance Group look forward to reviewing your concerns and evaluating your risks so that we can provide you with a General Liability Insurance policy that is suited specifically to your business needs. Contact us for a free evaluation and price quote today!
Errors & Omissions
Errors and Omissions, or E&O Insurance is liability insurance for business professionals who may incur certain specific risks in their field of expertise. In fact, no matter what profession you specialize in, a simple error or omission which causes financial harm to another individual or entity can put you and your company at great risk. An E&O policy is separate from your standard general liability and property insurance policies and is critical coverage that helps protect you from bearing the full costs of defending any potential lawsuits that may be filed in connection with your business dealings. In the unfortunate case of a professional liability claim being brought against you or your company for alleged negligence due to performance of, or failure to perform professional services, an Errors and Omissions insurance policy helps absorb the costs of both your defense and damages that may be awarded to the plaintiff. Keep in mind that even if you are not found to be liable for any damages, defense costs alone can run into the tens of thousands, so E&O Insurance is very important coverage to have and maintain. If you are a business professional and do not yet have an E&O policy, or if you have a generic policy that has not been carefully evaluated, we will be happy to give you a professional review and evaluation of your existing E&O policy or discuss your needs with you to determine the limits and coverages you will need included in your new policy. We look forward to helping you do business with confidence and security! Contact us today for a free evaluation!