Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
A certificate of insurance and additional insured status are two different things, and the difference matters a great deal. A certificate proves coverage exists. Additional insured status actually…
Read article →Most Georgia small businesses carry a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit. These two numbers appear so frequently in…
Read article →Commercial auto insurance rates in Georgia reflect the specific risk profile your fleet and drivers present, not a flat rate applied across all businesses. Insurers evaluate driver history,…
Read article →What Does Professional Liability Insurance Not Cover in Georgia? Professional liability insurance in Georgia is narrowly scoped by design. It pays for claims that your professional services caused…
Read article →What is the threshold for workers compensation coverage in Georgia? Georgia requires workers compensation coverage once a business regularly employs three or more people. That threshold is set…
Read article →A retroactive date is the earliest date of work a professional liability policy will cover. Any error or omission tied to services performed before that date falls outside…
Read article →Tail coverage is an extension to a professional liability policy that keeps the ability to report claims open after the policy itself has ended. The formal name is…
Read article →Yes. Georgia nonprofits face directors and officers liability claims from donors and grant funders, and these disputes are more common than most boards expect. D&O insurance protects board…
Read article →Georgia businesses with any management structure, a board, outside investors, or employees, face liability exposures that general liability insurance does not cover. Three separate coverages address those gaps:…
Read article →A Georgia HOA master policy protects the shared parts of a community and the association itself. It does not cover what happens inside individual units. That line between…
Read article →A Georgia general liability policy is broad, but it does not cover everything. The most important gaps are the ones that surprise business owners who assume the word…
Read article →What types of costs does a cyber incident typically produce? Cyber claims hit Georgia small businesses from multiple directions at once, and the total cost almost always exceeds…
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
