Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
What security controls lower a Georgia business's cyber insurance premium? Stronger security controls reduce your cyber insurance premium because insurers price policies based on how likely a breach…
Read article →What does Georgia law require for commercial auto insurance? Georgia requires every registered commercial vehicle to carry minimum liability insurance. The state mandates 25/50/25 coverage - $25,000 for…
Read article →Georgia nonprofits face liability claims, leadership disputes, and property losses that can drain operating reserves within a single fiscal year. Three coverages do the most work against those…
Read article →Fiduciary liability insurance protects the people who manage a company's employee benefit plans against claims that they mishandled those plans. A Georgia company sponsoring a 401(k) needs this…
Read article →Claims-made means the policy only covers claims that are both made against you and reported to the insurer while the policy is active, regardless of when the underlying…
Read article →Running a Georgia company without directors and officers (D&O) and employment practices liability coverage leaves the people making management decisions personally exposed. Their homes, savings, and retirement accounts…
Read article →Loss of rents coverage on a Georgia landlord policy pays only when a covered physical loss makes a rental unit uninhabitable and forces tenants out during repairs. Fire,…
Read article →Does a standard Georgia habitational policy cover earthquake damage? No. Earthquake is excluded from nearly every Georgia habitational insurance policy, which covers apartment buildings and other multi-family rentals.…
Read article →Water damage, liability injuries, fire, and storm damage account for the majority of claims on Georgia habitational insurance, the coverage that protects apartment buildings and other multi-family rental…
Read article →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 →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
