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.

When does a Georgia business need workers compensation along with commercial auto?

All FAQs

Quick answer: Georgia requires workers compensation once a business regularly employs three or more people (O.C.G.A. 34-9-2(a)(2)). Commercial auto covers the vehicle and injuries to other people; workers comp covers your own employee who is hurt on the job.

Georgia requires a business to carry workers compensation insurance once it regularly employs three or more people, under O.C.G.A. 34-9-2(a)(2). This threshold applies regardless of whether the employees are full-time, part-time, or seasonal, as long as three or more are employed on a regular basis. A business that has both drivers on the road and a growing headcount often needs commercial auto and workers compensation at the same time, because the two policies cover different people and different parts of the same incident.

Commercial auto insurance covers the vehicle itself and injuries or property damage the business causes to other people, such as another driver, a pedestrian, or property along the road. Workers compensation covers the business's own employee when that employee is hurt on the job, including injuries that happen while driving for work. The two policies do not overlap; each pays for a different party.

Example: An employee driving a company truck between job sites causes an accident that injures the driver of the other vehicle and also injures the employee. The commercial auto policy's liability coverage pays for the other driver's medical bills and vehicle damage. The employee's own injuries, medical treatment, and lost wages during recovery are paid through workers compensation, not through the commercial auto policy. A business that has not set up workers compensation once it crosses the three-employee threshold has no coverage in place for that second part of the loss.

Workers compensation insurance covers medical treatment, wage replacement, and other statutory benefits for employees hurt on the job in Georgia. Georgia commercial auto insurance explains what Georgia law requires for business vehicles and how a claim is filed. A business that wants to check whether its current headcount and driving patterns are matched by both policies can start with a coverage review.

This question connects to two others: whether a personal auto policy can stand in for commercial auto in Georgia, which matters before workers comp even becomes relevant, and the deadline a Georgia insurer has to pay a commercial auto claim, since the claim timeline differs between the two coverage types.