Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
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 →What security controls do cyber insurers in Georgia require? To qualify for cyber insurance in Georgia today, insurers expect a baseline set of security controls in place before...
Read article →Cyber liability insurance covers the costs a business faces after a data breach, ransomware attack, or other cyber event. For a Georgia small business, those costs are rarely...
Read article →How is Georgia workers compensation insurance premium calculated? Your Georgia workers compensation premium is calculated from three inputs: your total payroll, the classification codes assigned to your employees'...
Read article →How many employees trigger Georgia's workers compensation requirement? In Georgia, employers are generally required to carry workers compensation once they regularly have three or more employees, including full-time,...
Read article →Claims-made coverage protects you only when a claim is first brought against you while the policy is active, and only for work performed after a specific starting point...
Read article →What is abuse and molestation coverage, and why do Georgia nonprofits need it? Abuse and molestation coverage protects a nonprofit against claims that someone in its care was...
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
