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What insurance gaps do Duluth small businesses typically have?

Duluth small businesses, particularly restaurants, retail, and professional services in the Pleasant Hill Road / Sugarloaf Parkway corridor, commonly have these gaps: BOP property limits too low for actual business contents and equipment, general liability limits under $1M (many Georgia commercial contracts require $1M minimum), no cyber liability coverage (now essential for any business handling customer data or payment processing), no hired and non-owned auto (needed when employees drive personal cars for work), and workers comp not in place despite crossing the 3-employee threshold.

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What insurance gaps do Duluth small businesses typically have?

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