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.

Who needs liquor liability insurance in Georgia?

All FAQs

Quick answer: Restaurants with a bar, nightclubs, breweries, distilleries with tasting rooms, package stores, hotels, caterers, country clubs, and event venues. Any Georgia business that serves or sells alcohol as part of its operations carries the exposure.

Georgia businesses that serve or sell alcohol as part of their operations need liquor liability insurance. That includes restaurants with a bar, nightclubs, breweries, distilleries with tasting rooms, package stores, hotels, caterers, country clubs, and event venues.

The test is not the type of business license a company holds - it is whether alcohol changes hands on the premises or as part of the service. A brewery taproom that pours samples for on-site drinking carries the same liquor liability exposure as a full bar, even if most of its revenue comes from packaged beer sold to go. A caterer that supplies alcohol at a wedding carries that exposure for the event, even though catering is not primarily a bar business.

Standard general liability insurance (the base policy that covers bodily injury and property damage claims against a business) typically excludes alcohol-related claims. Liquor liability is a separate policy, or an endorsement (an add-on that extends or modifies a base policy), that fills that gap. Without it, a claim tied to an intoxicated patron - a parking-lot fight, a crash after last call - has no coverage to respond.

The underlying exposure traces to Georgia's dram shop law (O.C.G.A. 51-1-40), which can hold an alcohol-serving business liable when it knowingly serves a minor or a visibly intoxicated person who later causes injury. More on how that law works is in What is dram shop liability in Georgia?

Whether Georgia law requires liquor liability coverage is a separate question from who carries the underlying exposure - see Does Georgia require liquor liability insurance? Many landlords, event venues, and local licensing bodies require proof of coverage even where state law does not mandate it.

Coverage also has limits. What does liquor liability insurance not cover in Georgia? walks through the common exclusions, including underage service and off-premises events without an endorsement.

Olive Cover's liquor liability insurance page has more on how these policies are structured, and a free coverage review can look at a specific business's alcohol exposure.