Other Commercial Insurance - Georgia

Other Commercial Insurance: Specialty Coverage for Unique Business Exposures

Not every commercial need fits into a BOP, workers comp, or commercial auto policy. Inland marine, liquor liability, contractors equipment, surety bonds, and many other specialty lines exist for specific exposures. If you do not see what you need, ask us.

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Commercial Coverage Beyond the Standard Lines

Excess & Liability Coverage

Commercial umbrella above your primary GL and commercial auto. Excess liability for businesses with significant asset exposure. Employment practices liability in standalone form. Crime coverage and employee dishonesty. Directors and officers when not paired in a management liability package.

Equipment & Property in Transit

Inland marine for tools, equipment, and property in transit. Contractors equipment floater for job sites. Builder's risk for construction projects. Equipment breakdown (boiler and machinery). Installation floater for trades in progress.

Industry-Specific & Specialty

Liquor liability for restaurants, bars, caterers, and venues serving alcohol. Garage keepers for auto repair, body shops, and valet operations. Surety and fidelity bonds. Business interruption expansions. Environmental liability for specific exposure.

Environmental and Pollution Liability

Pollution liability and environmental impairment for Georgia manufacturers, dry cleaners, auto repair, and businesses with chemical or fuel storage. Standard commercial policies exclude pollution events that environmental coverage addresses.

What We Do Not Write

Very Large Commercial Accounts

Large commercial placements (typically over $1M in annual premium) are often handled through wholesale surplus lines brokers rather than retail agencies. We refer these to specialist brokers when appropriate.

Highly Regulated Industries

Some highly regulated or politically exposed industries (cannabis dispensing at scale, bail bondsman, certain pharmaceutical manufacturing) require specialty markets outside our retail appointments.

Employee Benefits & Group Life/Health

Employee benefits, group health, and group life are life and health specialty. We refer these to licensed life and health producers.

Ocean Marine, Aviation, International Shipping

Ocean marine, aviation hull, and international shipping are specialty lines typically placed through wholesale brokers.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit for your business.

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Got an Unusual Commercial Exposure? Ask Us.

Commercial needs often do not fit neatly into BOP or standard commercial lines. If you have an unusual exposure, tell us. We will find the right market or refer you honestly to someone who can.

Varies by coverage type