Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
Home business insurance is a smaller solution for a modest business run from your house, while a business owners policy (BOP) is a broader packaged policy for a…
Read article →Does a standard homeowners policy cover a home-based business? A standard homeowners policy provides very limited coverage for a home business - limited enough that most home-based businesses…
Read article →Why does a standard homeowners policy exclude flood damage? A standard homeowners policy does not cover flood damage, anywhere. Flooding is explicitly excluded from nearly every homeowners policy…
Read article →What does Airbnb's AirCover actually cover for hosts? Airbnb's AirCover offers two components for hosts: Host Damage Protection and Host Liability Insurance. Host Damage Protection covers eligible property…
Read article →Does a standard landlord policy cover Airbnb hosting? A standard landlord policy is built around one assumption: a tenant on a lease. Airbnb hosting breaks that assumption in…
Read article →Georgia homeowners liability coverage applies to dog bite claims. When someone is bitten by your dog, the personal liability section of a standard HO-3 policy can pay the…
Read article →Collector auto insurance uses agreed value because a classic or collectible car does not lose value the way an ordinary car does, and a standard actual cash value…
Read article →Apartment buildings and homeowner associations need specialty insurance because their risk profile is far larger and more complex than a single residence. Standard property and liability policies are…
Read article →Do Georgia private companies need management liability insurance? Many Georgia private companies need management liability insurance, even if they are not publicly traded. A common assumption is that…
Read article →Directors and officers liability, employment practices liability, and fiduciary liability are three distinct coverages often grouped as management liability. They overlap in spirit but respond to very different…
Read article →Nonprofit insurance and a standard commercial business owners policy share the same structural foundation, property coverage and general liability coverage, but they diverge significantly in the risks each…
Read article →Georgia nonprofits face the same legal exposure as for-profit organizations, but they often have fewer resources to absorb it. Directors and officers insurance, D&O, covers board members, officers,…
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
