What lines of insurance does Olive Cover write?
Olive Cover is the consumer brand of Olive Insurance Services, LLC, a licensed independent agent and property and casualty agency in Georgia. Being independent means shopping across multiple carriers rather than selling one company’s products, which makes it possible to find coverage that fits the actual situation rather than what one carrier happens to offer. Learn more in our FAQ on what it means to be an independent agency.
What personal insurance lines does Olive Cover write?
On the personal side, Olive Cover writes the policies Georgia households rely on most:
- Homeowners insurance: covers the dwelling, personal property, liability, and additional living expenses if a home becomes uninhabitable after a covered loss.
- Auto insurance: liability coverage, collision, comprehensive, uninsured motorist, and medical payments coverage for Georgia drivers.
- Renters insurance: protects personal belongings and covers personal liability when renting rather than owning.
- Condo insurance: fills the gap between what an HOA master policy covers and what the unit owner holds inside.
- Flood insurance: separate from homeowners and required in many Georgia flood zones, written through the National Flood Insurance Program or private carriers.
- Umbrella insurance: adds liability protection above the limits on home and auto policies. See our FAQ on what an umbrella policy covers.
- Landlord insurance: covers rental property owners against property damage, lost rental income, and liability.
- Boat and watercraft insurance: covers physical damage to the vessel and liability on Georgia waterways.
What commercial lines does Olive Cover write?
On the commercial side, Olive Cover helps Georgia businesses protect their operations:
- Business owners policy (BOP): bundles property and general liability into one policy, typically available to small and mid-size businesses. Read more about which businesses qualify for a BOP.
- General liability: covers bodily injury and property damage claims arising from business operations.
- Workers compensation: required in Georgia for most employers with three or more employees, covering medical expenses and lost wages for work-related injuries.
- Commercial auto: covers vehicles owned or operated by the business, including liability and physical damage.
- Professional liability (errors and omissions): covers claims that professional services caused a financial loss to a client.
- Cyber liability: covers costs from data breaches, ransomware, and related incidents affecting business systems and customer data.
Can Olive Cover handle both personal and commercial coverage for the same household?
Yes. Because Olive Cover writes both personal and commercial lines, households that also run a business can consolidate their coverage review in one place. For example, a small business owner in the Atlanta suburbs might carry homeowners, auto, a BOP, and professional liability, and reviewing all four together helps close gaps between personal and business exposures that separate advisors might miss.
What does being independent mean for policyholders?
Being independent means a policyholder is not locked in. If a carrier changes its pricing or appetite, coverage can be re-shopped without starting from scratch or losing the advisory relationship. For example, a Georgia household sees a 25% renewal increase on homeowners coverage after a difficult weather year. An independent agent can pull competing quotes from multiple carriers and find comparable coverage at a better rate without the policyholder reapplying from the beginning.
To see which coverages fit a specific situation and which carriers to quote, request a free coverage review. A licensed advisor will map out the gaps and options for the household or business.