Independent Insurance · We work for you
One independent advisor. Multiple top carriers.
Free coverage review in under 10 minutes. We compare multiple top carriers and show you the options that fit your situation.
WHAT HAPPENS NEXT
Tell us about you
A quick 10-minute coverage review. No lengthy forms, just a conversation about what you need to protect.
About 5 minutesWe shop multiple top carriers
We compare coverage and pricing across multiple carriers so you see what fits your situation, not just one company's offer.
You get a clear side-by-side comparison
No pressure, no obligation. A clear comparison so you can make the right call for your situation.
Does any of this describe your situation right now?
You are not alone. These are the situations we hear most often.
Your renewal came in higher again this year.
Carriers are repricing risk across the country. Premiums are rising faster than most people expected. But a higher premium does not automatically mean better coverage. Do you know what changed in your policy at your last renewal, or did you just pay the bill?
Your lender picked your insurance. You just signed.
Your lender required insurance and you got it. But lender-placed insurance is designed to protect the lender's investment, not necessarily yours. Have you ever compared what your policy covers against what you actually own and what it would cost to replace?
A client is asking for your certificate of insurance.
A client or partner is asking for proof of coverage. Do you know immediately what your policy covers, what its limits are, and whether those limits are actually sufficient for the work you do? Most business owners do not until they are asked.
You had a claim. It was denied or paid less than you expected.
A claim gets denied or pays out less than expected. This happens more often than most people realize and almost always comes down to a policy exclusion the policyholder never knew existed. Have you ever read the exclusions section of your policy?
THE INSURANCE GAP IN AMERICA
Most people think they are covered. The data says otherwise.
The following figures come from the Insurance Information Institute and other public sources.
insured U.S. homes may lack key protections against underinsurance
Approximately two-thirds of insured homeowners could be without key coverages like inflation guard, extended replacement cost, and building-code coverage, the protections that keep a policy in step with real rebuild costs.
When did you last check whether your dwelling coverage limit reflects what it would actually cost to rebuild your home today?
Insurance Information Institute, citing APCIA
Georgia drivers were uninsured in 2023, one of the highest rates in the country
If an uninsured driver hits you, your own uninsured motorist coverage is the only protection you have. Most people have never checked what that limit is.
Do you know how much uninsured motorist coverage your auto policy carries right now?
Insurance Information Institute, 2023
employees is the threshold for required workers comp in Georgia
Effective January 1, 2026, Georgia requires most businesses that regularly employ three or more persons to carry workers compensation insurance. The threshold dropped from five, and part-time and seasonal workers count.
Has your headcount crossed three? Many businesses that were exempt under the old five-employee rule are now required to carry coverage and do not know it.
Georgia State Board of Workers' Compensation, effective January 1, 2026
of small business owners have no business insurance at all
Nearly half of all small businesses are operating with zero protection against property damage, liability claims, or business interruption. Many assume their personal coverage extends to their business. It does not.
If a client were injured at your business or you caused damage to a client's property tomorrow, do you know with certainty that you are covered?
Census.gov, SBA, multiple sources
Statistics cited reflect independent third-party research and industry studies as noted. Sources include CoreLogic, Consumer Federation of America, Insurance Research Council, and Hiscox. Data reflects the most recent available study year for each source. Olive Cover has not independently verified these figures. This information is provided for general educational awareness only and does not constitute insurance advice.
We compare quotes across multiple top carriers.
- Chubb
- Nationwide
- The Hartford
- Safeco
- Progressive
- Openly
- NFIP
REAL OUTCOMES, NEAR YOU
What an independent advisor looks like in practice.
Auto driver in Buford had been loyal to one company for years. One call to Olive Cover, one carrier swap, $800 saved annually with no coverage gap.
Family in Johns Creek had two policies with two different companies. Bundling with the right carrier through Olive Cover cut the bill by $1,500 a year.
Homeowner in Cumming was paying too much for the wrong fit. Olive Cover shopped the panel, found the right carrier, and cut the premium by $1,500 a year. Same coverage.
GEORGIA INSURANCE UPDATE
What is happening with insurance in Georgia right now.
GEORGIA MARKET
Georgia home values have risen significantly across the state. Most homeowners policies have not kept up.
Whether you are in Atlanta, Savannah, Columbus, or anywhere in between, dwelling coverage that was right three years ago may leave a six-figure gap at claim time. Checking yours takes a few minutes.
Am I underinsured right now? →GEORGIA LAW
Georgia auto minimums are 25/50/25. They have not changed since 2000.
Medical costs have tripled since then. State minimum coverage is legal. It is not protection.
What auto limits do I actually need? →GEORGIA FLOOD
FEMA is repricing flood risk across Georgia. Is your zip code affected?
The National Flood Insurance Program updated its risk model. Some Georgia homeowners are seeing significant premium changes.
NFIP vs private flood: what is the difference? →BEFORE YOU CALL US
Five questions worth asking yourself right now.
You do not need to talk to anyone to answer these. Just read each one honestly. If you find yourself saying “I do not know” to even one of them, that is exactly what a coverage review finds out.
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1
When did you last look at your declarations page?
This is the one-page summary at the front of your policy. It shows every coverage type, every limit, and every deductible. If you cannot remember the last time you read it your coverage may not match your current situation.
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2
Has anything changed since you bought your current policy?
A renovation, a new vehicle, a home-based business, a rental property, a new family member. Any of these can create a gap your original policy does not cover. Insurance does not automatically update when your life does.
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3
Do you know what your policy excludes?
Every policy has an exclusions section that lists what it does not cover. Flood, earthquake, business use, and professional liability are common exclusions most people discover only after a claim is denied.
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4
Are your coverage limits based on current costs?
Reconstruction costs have risen significantly in recent years. A dwelling limit that was right three years ago may leave a significant gap at current construction prices. The same applies to liability limits and medical cost exposure.
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5
Do you know exactly what would happen if you filed a claim tomorrow?
Not roughly. Exactly. Which coverage applies, what your deductible is, what the limit is, and whether the incident you are imagining is actually covered or excluded. Most people cannot answer this with confidence.
If you answered “I do not know” to even one of these questions, a coverage review will give you a clear answer. It takes about 15 minutes. It costs nothing. You are not obligated to change anything. We tell you what you have, what you are missing, and what it would cost to fix it. You decide what to do with that information.
Free Coverage ReviewAsk Olive™
Have a question about your coverage?
Describe what you need. A licensed advisor will follow up within one business day. No sales pressure. No obligation.
How agents work
Not all insurance agents work for you
The type of agent matters more than most people realize. It determines how many options you see and who is in your corner when you file a claim.
Captive Agent
e.g. State Farm, Allstate, Farmers
- One company only, no real comparison
- Cannot quote other carriers
- Represents the insurer, not you
- No incentive to find you a better price
Independent Advisor
- Shops multiple top carriers for you
- Finds the right coverage and price for your situation
- Works for you, not the insurer
- Your advocate when you file a claim
Online / Direct
e.g. Geico, Lemonade, online tools
- Price comparison only
- No coverage advice
- No licensed advisor on your side
- You manage everything yourself
Recent Insights
Understand your coverage before you need it.
LATEST FROM OLIVE COVER
News and updates
Hanover Home, Auto, and Business Insurance Now Available Through Olive Cover
Olive Cover now places Hanover for Georgia households and businesses, with account-based home and auto bundles and a broad small to mid-size commercial appetite.
Chubb High-Value Home and Specialty Business Coverage Now Available Through Olive Cover
Chubb is now available through Olive Cover, bringing high-value home, auto, and umbrella coverage plus specialty commercial lines to Georgia clients.
Olive Cover Now Places NFIP Flood Insurance for Georgia
Olive Cover now places NFIP flood insurance for Georgia homes and businesses, covering what standard home and commercial property policies exclude.