Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
Standard farm and ranch policies do not include crop coverage. That is the most important distinction to understand before assuming a farm policy handles everything on your operation.…
Read article →Sometimes, but often not fully. A standard homeowners policy is built for a typical suburban house, so it may cover your home and personal belongings on a rural…
Read article →A certificate of insurance, often called a COI, is a one-page document that confirms you carry insurance and summarizes your coverage. It lists your insurer, policy numbers, types…
Read article →Excess and surplus lines insurance, often shortened to E and S, is specialty coverage for risks that standard insurers will not write. When a home, business, or situation…
Read article →Yes. Collector auto insurance is built differently from a standard auto policy, and for classic, antique, and collectible vehicles it is almost always the better fit. The differences…
Read article →A standard homeowners policy is built around your home and personal belongings, not a business operation. When you run a business from home, that policy leaves significant gaps,…
Read article →Most nonprofits carry far more legal exposure than their leadership expects. Boards and officers make real decisions, hiring, firing, budget allocation, benefit plan administration, and any of those…
Read article →Management liability insurance protects a company's leaders and the business itself from lawsuits tied to how the organization is run. It covers directors and officers liability, employment practices…
Read article →Liability insurance pays when you are legally responsible for someone else's injury or property damage. Your policy covers those costs up to the limit you chose, so you…
Read article →When Does Olive Cover Use Selective Instead of the NFIP for Flood Insurance? Olive Cover uses Selective for flood coverage instead of the National Flood Insurance Program, or…
Read article →What is RT Specialty and what role does it play? RT Specialty is a large wholesale insurance broker that helps agencies place hard-to-insure risks through surplus-lines (also called…
Read article →Why Does BHHC Use Pay-As-You-Go Billing for Workers Comp? BHHC, which stands for Berkshire Hathaway Homestate Companies, uses pay-as-you-go billing for workers compensation because it ties your premium…
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
