Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
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 →Can volunteer board members be personally sued for nonprofit decisions in Georgia? Yes. Volunteer board members of Georgia nonprofits can be held personally liable for decisions made in…
Read article →Georgia law requires nonprofits with three or more paid employees to carry workers' compensation coverage. Beyond that statutory floor, the coverage a nonprofit must carry in practice is…
Read article →A Georgia business faces employment practices liability risk from the everyday relationship between employer and employee. These claims are among the most common a small business will see,…
Read article →A directors and officers (D&O) claim against a Georgia private company is triggered when someone alleges that the people running the business made a management decision that harmed…
Read article →North Atlanta home values have climbed sharply over the past decade, and rebuild costs have followed. In communities like Alpharetta, Roswell, and Johns Creek, the cost to rebuild…
Read article →Flooding touches every region of Georgia, not just the coast. Inland counties deal with flash floods from intense thunderstorms, swollen rivers, overwhelmed stormwater systems, and runoff from rapidly…
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
