Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
Does an LLC protect you from professional liability claims? Most business owners still need professional liability insurance even with an LLC, because the two protect against different things....
Read article →Professional liability policies use one of two trigger structures: claims-made or occurrence. A claims-made policy responds only when a claim is first reported while the policy is active....
Read article →General liability covers physical harm to others: bodily injury or property damage caused by your business operations. Professional liability covers financial harm caused by your advice, your services,...
Read article →A standard commercial auto policy does not cover cargo. It covers your liability for bodily injury and property damage you cause to others, and it can cover physical...
Read article →Does personal auto insurance cover accidents that happen during business driving? A personal auto insurance policy generally does not cover accidents that occur while the vehicle is being...
Read article →Can a Georgia landlord legally require renters insurance? Yes. Georgia law does not prohibit landlords from requiring tenants to carry renters insurance, and courts have consistently treated the...
Read article →Does renting out your home require a different insurance policy? Yes. When a homeowner moves out and rents the property to tenants, a standard homeowners policy no longer...
Read article →Deciding how much condo insurance to carry in Georgia comes down to three questions: what the association's master policy covers, what it would cost to rebuild your unit's...
Read article →What is the difference between homeowners insurance and condo insurance? The core difference is what each policy is built to protect. A standard homeowners policy covers the full...
Read article →Georgia law does not require renters insurance. No state statute forces a tenant to buy a policy. But the law not requiring something and a landlord not requiring...
Read article →Farm insurance, rather than a standard homeowners policy, is the right coverage when your land is used to earn income, raise livestock for sale, or run any agricultural...
Read article →What is mysterious disappearance coverage? Mysterious disappearance coverage pays for valuables that go missing when you cannot explain exactly how they were lost. Most people think their homeowners...
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
