Why does my policy have more than one deductible?

A policy commonly carries a flat deductible for most claims and a separate percentage-based wind and hail deductible in storm-exposed states like Georgia.

Does my own insurance cover me when I stay in an Airbnb or VRBO?

The host's short-term rental policy protects the host, not you. As an Airbnb or VRBO guest, your own homeowners or renters insurance usually covers your belongings and personal liability away from home, within policy limits, while travel insurance covers trip-specific risks neither the host nor your home policy will.

Does homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

What does uninsured motorist coverage do?

If you are hit by a driver with no insurance or not enough insurance, uninsured and underinsured motorist coverage pays your medical bills.

When do we use Selective for flood coverage versus NFIP?

Selective private flood wins for Zone X and moderate AE properties where it beats NFIP on price and offers higher limits with ALE coverage.

Is a business owners policy required by law in Georgia?

All FAQs

Quick answer: No. Georgia does not require a BOP. Workers' compensation is the mandatory line for employers with three or more employees under O.C.G.A. 34-9-2(a)(2), and any business vehicle needs commercial auto meeting Georgia's 25/50/25 minimum under O.C.G.A. 33-34-4.

No. Georgia does not require a business owners policy (BOP) by law. Two other coverages are mandatory under specific conditions, and both sit outside the BOP itself. Workers' compensation, which pays an employee's medical bills and lost wages after a work injury, is required once a business has three or more employees, including part-time staff, under O.C.G.A. 34-9-2(a)(2). Any business vehicle needs commercial auto liability coverage meeting Georgia's minimum limits of 25/50/25 under O.C.G.A. 33-34-4, meaning 25,000 dollars per person for bodily injury, 50,000 dollars per accident for bodily injury, and 25,000 dollars for property damage.

A BOP itself, covering commercial property and general liability, has no statutory mandate in Georgia. That does not mean nothing else creates a requirement to carry one. A landlord or a lender can make general liability coverage a condition of a lease or a loan, independent of any state law. A retail shop signing a lease in a strip mall is a common example: the landlord's lease agreement often requires the tenant to provide a certificate of insurance showing active general liability coverage, sometimes naming the landlord as an additional insured, before the tenant can take occupancy. That requirement comes from the contract, not from Georgia statute, but it functions the same way for the business: no proof of coverage, no keys to the space.

The distinction matters because a business can be fully compliant with Georgia law (workers' comp in place at three-plus employees, commercial auto meeting 25/50/25 for company vehicles) while still being out of compliance with a lease or loan agreement that requires a BOP. Both types of requirement are worth tracking separately.

For the mandatory lines themselves, see workers' compensation insurance and commercial auto insurance. Related FAQs: does a Georgia BOP include workers' compensation and what a Georgia BOP does not cover. A coverage review can confirm which requirements, statutory or contractual, apply to a specific business.