Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
Which Georgia businesses does the data breach notification law cover? Georgia's data breach notification law (O.C.G.A. § 10-1-912) applies to any business that owns or licenses computerized data…
Read article →Hired and non-owned auto coverage (HNOA) applies the moment a vehicle your business does not own is used for a company purpose - an employee running a supply…
Read article →A business owners policy (BOP) is priced as a single bundled package, not as two premiums added together, which is the structural reason its total often lands below…
Read article →A business owners policy, commonly called a BOP, bundles two core commercial coverages into a single package: general liability and commercial property. Insurers designed it for small and…
Read article →No. Georgia's boating regulations, covering vessel registration, operator education, and safety equipment, do not include a liability insurance mandate for recreational boats (Georgia DNR Law Enforcement Division, Boating…
Read article →Is flood insurance required in FEMA Zone X? No. The federal mandatory purchase requirement for flood insurance applies to buildings with a federally backed mortgage located in a…
Read article →NFIP and private flood insurance both pay for direct physical damage from flooding, but they differ in who backs the policy, how much coverage is available, how fast…
Read article →Switching a Georgia homeowners policy from actual cash value (ACV) to replacement cost (RCV) settlement is usually possible, but it goes through underwriting rather than a simple request.…
Read article →When an uninsured driver hits you in Georgia, the at-fault driver's policy - the one that's supposed to pay for your injuries and vehicle damage - doesn't exist.…
Read article →What are underlying limits for an umbrella policy? Before an umbrella policy is issued in Georgia, the insurer requires minimum liability limits on the policies beneath it. These…
Read article →Yes, but only up to strict dollar caps that often fall far short of what your valuables are actually worth. Your homeowners policy includes personal belongings under contents…
Read article →What is a scheduled articles floater and how is it different from standard homeowners coverage? A standard homeowners or renters policy covers personal property, but it applies sub-limits…
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
