Coverage We Offer

Habitational Insurance

Habitational insurance covers apartment buildings, condominiums, and other residential rental properties under commercial insurance programs. The underwriting requirements differ significantly from single-family landlord policies.

Management Liability Insurance

Management liability insurance covers the personal liability of directors, officers, and managers for decisions made in their business roles. It includes D&O, employment practices coverage, and fiduciary liability. Georgia businesses of all sizes face employment-related claims and governance disputes.

Nonprofit Insurance

Georgia nonprofits face the same liability, property, and employment exposures as any business but have specific coverage needs around volunteers, board governance, and program activities. Standard commercial programs often miss key exposures that nonprofit-specific carriers address.

Other Commercial Insurance

Olive Cover writes a broad range of commercial insurance beyond the standard business package policy and general liability. If you have a commercial coverage need not listed elsewhere, reach out and we will find the right fit.

Professional Liability Insurance (Errors and Omissions)

General liability covers bodily injury and property damage. It does not cover claims that your professional advice, design, service, or work caused a client to lose money. That is what professional liability (errors and omissions) covers.

Workers Compensation Insurance

Almost every state requires workers compensation insurance once a business has employees. Four states (Ohio, North Dakota, Washington, and Wyoming) operate monopoly state funds where workers comp must be purchased through the state. Everywhere else it is placed through private carriers. workers comp covers medical treatment, lost wages, and employer liability for work-related injuries and occupational illnesses.

Home and Auto Bundle

Most people assume bundling home and auto with one carrier always saves money. It usually does, but not always. As an independent agent we can show you the numbers both ways. If splitting policies gets you better coverage and a lower combined premium, we will tell you.

Vacant Home Insurance

A standard homeowners policy can lapse or restrict coverage when a home is vacant for more than 30 to 60 days. Vacant home policies are written specifically for empty properties, with specialty underwriting.

Commercial Property Insurance

Standalone commercial property covers the building, business personal property, business income, and extra expense for mid-market and larger accounts where a packaged business owners policy is too small. We compare carriers across our review set.

Liquor Liability Insurance

Restaurants, bars, breweries, package stores, and event venues all face liquor liability exposure. Standard general liability typically excludes alcohol-related claims, so dedicated liquor liability coverage is required.