Roberts Insurance Group Blog |
When it comes to auto insurance in Georgia, everyone wants to make sure they're getting the best rate and not overpaying. With the rise in liability claims in Georgia over the last decade, that has become increasingly harder to accomplish. Lucky for you, we've outlined a few things you can do to make sure you're getting the very best rate on your auto insurance without sacrificing coverage: #1: Work With An Independent Agent
#2: Take Advantage Of The Multi-Policy Discount
#3: Telematics Discounts
#4: Pay In Full Discount
#5: Electronic Document Delivery Discount
These are just a few of the things you can do to save money on your auto insurance premium in Georgia. If you aren't currently working with an independent insurance agent that you like, we would love to earn your business at the Roberts Insurance Group! You can give us a call at 678-250-8133 or click below and we'll get to work on saving you money on your auto insurance today!
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As a Georgia plumber, there is a lot to be worried about. Having the right Plumber Insurance plan in place is critical to making sure your business is properly covered and that your business won't be ruined financially from an accident. Getting the right coverage for Georgia plumbers is something we specialize in at The Roberts Insurance Group. The coverage packages that we put together will take care of your worries without breaking the bank. What Is A Good Coverage Plan For Georgia Plumbers? As a Georgia plumber, there are several different policies and coverage that your business needs to be properly covered: General Liability Insurance As a plumber or plumbing company, General Liability Insurance is meant to protect your business if an employee or subcontractor is liable for damage to someone else's property or if they cause bodily injury to someone else. Accidents happen and when they do, there can be some very large settlements involved, especially in Georgia. This is why it is important to have sufficient General Liability coverage as a part of your Plumbers Insurance plan. Workers Compensation Insurance Workers comp will pay for the medical bills and lost wages of your employees if they get injured on the job. If you don't have workers comp, your business is likely to go under with the amount of damages you'll be liable for. Commercial Auto Insurance Commercial Auto Insurance is another must-have for plumbers in Georgia. Vehicles used for business purposes would not be covered on a personal auto policy. Getting in an accident and having a claim denied would ruin your whole business with the amount of liability lawsuits and settlements that occur in Georgia. Property Insurance Coverage This coverage would cover your building and other property like computers and tools. Installation Floater Installation floater coverage is vital for plumbing businesses in Georgia. This coverage is designed to cover property that is being installed. Pollution Liability Insurance- Including Mold Coverage This is a commonly forgotten coverage for Plumbers in Georgia but we think it is very important. Pollution Liability will cover damage from mold or fungus if there is incorrect installations, improper sealing, wet materials, or other errors. Also, if you fail to properly locate underground utilities and cause a leak, pollution liability will pay for the damages. These examples are not covered under General Liability Insurance. Employment Practices Liability Insurance For any business that has employees, it is important to have Employment Practices Liability Insurance to cover your business if you're involved in a lawsuit by an employee or applicant due to unlawful employment practices. These claims are becoming very common in Georgia. Business Service Bonds Another coverage outside of the average Plumber Insurance package is Business Service Bonds or a Fidelity Bond. This is a form of insurance that covers policyholders for losses caused by dishonest acts of the businesses employees. These bonds are very inexpensive. If you're a plumber or plumbing company, give us a call at The Roberts Insurance Group at 678-250-8133. We specialize in working with Plumbers and contractors and have the knowledge, insight, and carrier access to ensure your Georgia Plumbing business stays safe and keeps your premiums as low as possible. The Roberts Insurance Group is a Georgia Insurance Broker specializing in commercial and personal insurance for our clients throughout the state of Georgia. We help our clients lower their cost of insurance with our superior claim and risk management expertise and our extensive carrier access. We are in the business of building relationships with our clients to help them grow and succeed. Contact us today to see what we can do for your family or business. As with any contractor or business, electricians and electrical companies need a well-rounded risk management plan and insurance program. Something unique to electricians is the increased liability exposure they face long after they leave a job site. This is what makes insuring electricians a little unique compared to other contractors. Once an electrician leaves a job site, the work they've done will carry liability risk for decades to come. Why? Because if there is an issue with the electrical installation, it usually doesn't present a problem until down the road. When a claim does arise, it is typically much larger and causes much more damage than claims with other trades and contractors. House and building fires from electrical systems are much larger claims, both for property damage and bodily injury, than the claims we see with other artisan contractors like plumbers, painters, HVAC contractors, landscapers, and roofers. This is why it is so important to make sure your electrical company's risk management plan and insurance package is properly put together. What Makes Up A Good Insurance Package For Electricians? General Liability As with all businesses, electrical companies need general liability insurance to protect them from bodily injury and property damage claims that they may be liable for. General liability for electricians should also include completed operations coverage, so that the company is covered for any damages after the work is complete. Business Property and Inland Marine Electricians tend to carry a lot of tools and materials with them. It is vital that their tools are covered from losses anywhere their job might take them, which is why business property and inland marine coverage is necessary. Commercial Auto Not only is this coverage necessary to get on to a job site, it provides liability protection from any accidents while away from the job site as well. Electricians tend to be on the road a lot within a defined radius. With this exposure, it is necessary for electrical companies to have sufficient liability limits on their commercial auto policy. Workers Comp As any business with employees, you need to carry workers comp in case your employees get hurt while on the job. Whether it is in an auto accident, job site accident, or a slip and fall at the warehouse, your employees medical expenses and lost wages will be paid by an insurance company so that your business doesn't go under after an accident occurs. Contractors Errors And Omissions (E&O) For electrical companies that work on larger projects, it is crucial to carry errors and omissions coverage. Why? Because if there is a claim that arises from your work, the subsequent damage would be covered by the General Liability. HOWEVER, the cost to fix/replace your work would not be covered without an E&O policy. For companies that are working on larger jobs, not having this coverage could cost you tens of thousands of dollars down the road. What Makes Up A Good Risk Management Plan? The key factor and driving force to reducing your insurance premiums, keeping your costs as low as possible, and increasing profits is to minimize claims. Having an insurance policy or package isn't enough. If you have frequent or sever claims, the cost for your coverage will skyrocket and you'll end up paying 2-3 times more than your competitor. The way to avoid this is to have a good risk management plan in place: Safety Training Having a formalized training program is necessary to limiting claims for your electrical company. This helps ensure jobs are done properly, which limits the number of claims along with the severity. Return To Work Program Accidents do happen and employees get hurt- even if you take every precaution. When employees get hurt, it is important to have a return to work program in place with light duties. This will get injured employees off of workers compensation and back into the workforce. Minimizing the amount that your workers comp carrier pays out for claims is one of the best ways to keep your workers comp premiums down long-term. Driver Training Driver training programs help promote good driving habits for employees that are driving company vehicles, which will lead to safer driving and less accidents. Other things employers are doing to limit claims is providing rewards for good driving, like bonuses or punishments for accidents, like forcing the employee to pay the deductible from their paycheck. Another great way to promote good driving is with the use of technology. There are GPS and telematics programs available that give driving data back to the home office, which allows the company to monitor and critique their employees driving habits. Post Accident Reporting Much like having a return to work program, post-accident reporting is crucial to limiting the fall out from job site and auto accidents. The sooner the claim is reported, the sooner the insurance company can step in to settle the claim. The more time that goes by, the more likely it is for attorneys to get involved and increase the severity of a claim pay out. Job Site Inspections Having random job site inspections is another great way to ensure your company is being as careful as possible. These spot checks will keep employees on their toes and ensure they're acting in accordance of company policy and OSHA compliance. If you're an electrician or electrical company and your agent is not having these conversations with you, give us a call at The Roberts Insurance Group at 678-250-8133. We specialize in working for electricians and contractors and have the knowledge, insight, and carrier access to ensure your Georgia Electrical business stays safe and keeps your premiums as low as possible. The Roberts Insurance Group is a Georgia Insurance Broker specializing in commercial and personal insurance for our clients throughout the state of Georgia. We help our clients lower their cost of insurance with our superior claim and risk management expertise and our extensive carrier access. We are in the business of building relationships with our clients to help them grow and succeed. Contact us today to see what we can do for your family or business.
Rental property insurance is one of the areas that we focus on and specialize in at the Roberts Insurance Group. We've helped many investors throughout the state insure their rental properties with the very best coverage available. A question we hear all of the time is: who has the best rental property insurance in Georgia? Landlord Insurance Rental property insurance is very commonly referred to as landlord insurance. Landlord insurance differs from homeowners insurance in that the coverage is designed and rated specifically for rental properties. Trying to cover a rental property with a homeowners policy would be far more costly and coverage would be limited. Dwelling Coverage Similar to a homeowners policy, a landlord policy will have dwelling coverage that protects the home. It is important to make sure the home is insured at full replacement cost. Something we see in the marketplace is that many landlord policies only insure the dwelling for Actual Cash Value (ACV). ACV means that depreciation will be deducted from any claim pay out, in addition to your deductible. This is NOT the coverage you want for your investment. Personal Property One of the main things that differs between homeowners policies and landlord policies is the personal property coverage. Homeowners policies typically come with a larger amount of personal property coverage. Since you (the landlord) aren't living there, this high of coverage typically isn't needed. However, you will still want to have some coverage available for things like appliances, curtains, blinds, drapes, etc. And if you have a short term rental property (like Air BnB), then you'll want to account for the furniture as well. Liability Coverage Similar to homeowners policies, landlord policies will have liability coverage packaged in. Liability coverage will help protect you, as the property owner, from lawsuits brought against you for bodily injury on the property, among other things. If your rental property is covered as a homeowners policy, the liability coverage will not extend, which is why it is very important to have your rental property correctly insured. Loss Of Rent/Income Arguably the most important coverage for your rental property will be coverage to protect your cash flow. This is called loss of rent of loss of income coverage. If there is a claim that arises and the home is uninhabitable, then this coverage will pay for your loss of income until it is able to be rented out again. Other Things To Consider: Short Term Rental vs Long Term Rental With the rise of things like Air BnB and VRBO, many investors are starting to rent their properties out on a short term basis. It is VERY important to have your home rated for short term tenants instead of for long term tenants. Why? Because not all insurance companies like to insure short term rental properties. If a claim arises while your home is being rented out for short term rental and your policy isn't written properly, your claim will be denied and you'll be stuck paying out of pocket to fix the damage AND you won't have access to loss of rent coverage OR liability coverage if there is a lawsuit. This would be a nightmare for any investor. Commercial Policy vs Personal Policy (DP3) When it comes to landlord insurance, many landlords will choose the insure their properties on a commercial property instead of a personal policy (DP3). A commercial policy will allow insureds to insure their properties in the name of an LLC, schedule as many properties as they want, and provide uniform coverage and deductibles across all of their properties, and increased commercial general liability limits. Some carriers will allow personal policies (DP3s) to be written in the name of an LLC under certain circumstances and some will allows you to schedule properties on one policy (up to a certain limit), but there are often limitations that make it difficult for an investor or group with a big portfolio. So Which Carrier Is The Best? In addition to having your policy written and rated properly, you want to make sure you're getting a good price so that you, the investor, can get the very best value for your landlord insurance. Rates will be based on many different factors, including the location, short term vs long term rental, home characteristics, pervious claim experience, and more. It is important to work with an independent agent that has access to dozens of different carriers to make sure you're getting the very best value. Below is a list of companies we've had recent success placing rental properties with:
If you're a new investor or not happy with the coverage and service provided by. your current company, give us a call at the Roberts Insurance Group at 678-250-8133. We work with many investors throughout the state to protect their investments and their wealth. The Roberts Insurance Group is a Georgia Insurance Broker specializing in commercial and personal insurance for our clients throughout the state of Georgia. We help our clients lower their cost of insurance with our superior claim and risk management expertise and our extensive carrier access. We are in the business of building relationships with our clients to help them grow and succeed. Contact us today to see what we can do for your family or business. If you've had a commercial auto policy in Georgia for any length of time, you've probably felt the pain involved in paying for your commercial auto insurance. It probably feels like, year after year, your premiums keep rising and it keeps cutting into your profits. Something we do at the Roberts Insurance Group is work with our clients to develop actionable plans and strategies to lower their premiums and total cost of risk, which increases your business' profit. Before we go over the Top 6 Ways to Reduce Your Commercial Auto Insurance Premiums, I want to say that 1 thing YOU SHOULD NOT DO is decrease your liability insurance. If you have an agent or broker that has recommended that, then you should run the other way because that agent just wants to sell you a policy and they do not care about the financial well being of you or your company. The Top 6 Ways To Reduce Your Commercial Auto Premiums In Georgia Company Experience Just like with personal auto insurance, your company's commercial auto experience is a major factor in what you pay for your commercial auto insurance in Georgia. If your business has recent claims on the record, then you're going to be paying much more than a similar business that is claims free. In addition, companies with lapses in coverage are going to pay significantly more than businesses that do not lapse their insurance. Driver Experience Now, more than ever, it is vital to hire and retain employees with good driving records. This will help keep your commercial auto premiums in check now and in the long term. It is a good practice for your business to run Motor Vehicle Reports and Background checks on every new driver hired. In addition, depending on the industry, it is important to run periodic MVRs on drivers. Safety Training & Regular Vehicle Maintenance Safety training, like defensive driving courses, are critical to keeping your commercial auto insurance premiums low. Even though it may seem very straightforward, research shows that simple things like periodic safety training for drivers and regular maintenance for your vehicles will reduce claim frequency by over 30%. Reducing, minimizing, and eliminating claims is the #1 way reduce your commercial auto insurance premiums and increase your company's profits. Post Accident Training This goes hand-in-hand for reducing your workers compensation premium as well. All employees need to be training on what to do after an accident and your business needs to be quick in getting claims reported to the carrier. Accidents are a part of life, which is why they are called accidents and why insurance exists. However, minimizing the claim pay outs after an accident is a major factor in reducing your commercial auto (and workers compensation) premiums long-term. Pay In Full Many carriers will offer a discount for paying your premium in full for the year. With some carriers, it is minimal. With others, it is pretty significant. Ask your broker what discounts or premium reduction is available for paying the policy in full. Work With An Independent Agent Or Broker That Has Access To Several Markets When it comes to commercial auto insurance in Georgia, it's more important now than ever to have as many options as possible. If it has been years since your policies have been reviewing or re-marketed or if your agent or broker is only checking with a couple of carriers, chances are, you've been over paying for your insurance for quite some time. We do not recommend shopping your insurance at every renewal by any means. However, having your agent or broker check the market every few years is a good practice to implement to ensure you're not overpaying in the ever-changing commercial auto insurance market in Georgia. If your agent or broker has not discussed these things with you, give us a call at The Roberts Insurance Group at 678-250-8133. We're commercial auto specialists that would love the opportunity to help your business! The Roberts Insurance Group is a Georgia Insurance Broker specializing in commercial and personal insurance for our clients throughout the state of Georgia. We help our clients lower their cost of insurance with our superior claim and risk management expertise and our extensive carrier access. We are in the business of building relationships with our clients to help them grow and succeed. Contact us today to see what we can do for your family or business. Garagekeepers Insurance- Running An Auto Service Business In Georgia Is Never Easy As an auto service business, having the right insurance plan in place is vital to protecting and growing your business. When your clients leave their car in your care, it is up to you and your company to ensure their vehicles issue is repaired properly and that it is returned to them in a better condition then when they dropped it off. Of course, accidents happen, which is why they are called accidents- no one plans on having them. This is why every auto services business in Georgia needs Garagekeepers liability insurance. What Does Garagekeeper's Liability Insurance Cover? Garagekeeper's Liability Insurance provides comprehensive anfd collision insurance coverage for vehicles that are left in the care of a garage or auto services business. Whether you own a dealership, service shop, body shop, or detailing facility, Garagekeepers is what you need to make sure your clients' vehicles are fully covered while in your custody and control. As an auto services business, the last thing you would want is to damage a client's vehicle and have no way to pay to repair it. This is why you need Garagekeeper's insurance. The next question is, what kind of Garagekeeper's insurance do you need? Types of Garagekeeper's Insurance There are many types of Garagekeeper's Insurance. For today, we are going to focus on the 2 most common types: Legal Liability and Direct Primary. Legal Liability This is the cheaper of the 2 most common options. Just like everything else in the world, cheaper isn't better. Why? Because legal liability Garagekeeper's insurance will only pay out if you or one of your employees is legally liable for the damage done to a client's vehicle that is in your possession. If legal liability can't be proven, then the insurance company will deny your claim and your client will be required to file the claim under their own policy OR you could pay/fix/replace the vehicle out of your own pocket. If your client has to file under their policy, pay their deductible, and have their insurance rates increase because you just cared about having cheap coverage, do you think they will do business with you again? NO. Do you think they will make negative reviews online? YES. Do you think they will tell others not to do business with you? YES. Now that we've explained the downfall of saving a few bucks to get legal liability Garagekeepers, let's discuss what your business really needs: Direct Primary Garagekeeper's. Direct Primary Direct Primary Garagekeeper's Liability pays for comprehensive and collision damage for your client's vehicle in your care, whether you are legally liable for the damage or not. Their insurance company will never get involved. This is a great way to make sure your business thrives and you build rapport with your client's and the community. Hopefully this won't happen very often with your auto services business. But when they do, you'll be glad you had Direct Primary Garagekeeper's Liability Insurance to fix your client's vehicle quickly and efficiently. Do you really want to ever be in the position of having to explain to your client that your insurance company won't pay to fix their car because you were just wanting the cheapest possible option? No and your clients don't care if you are legally liable or not. To them, they dropped their car off with you and they expect it to be returned in one piece, not with an excuse on why it isn't. The Roberts Insurance Group is a Georgia Insurance Broker specializing in commercial and personal insurance for our clients throughout the state of Georgia. We help our clients lower their cost of insurance with our superior claim and risk management expertise and our extensive carrier access. We are in the business of building relationships with our clients to help them grow and succeed. Contact us today to see what we can do for your family or business. How Much Does Commercial Auto Insurance Cost In Georgia? This is a tough question with a ton of different factors. In general though, it would be pretty common for a small business with small operations to pay about $1,000 per year for liability insurance on a commercial auto policy and closer to $2,000 per year for a vehicle that needed physical damage coverage like comprehensive and collision coverage. As discussed, there are so many different factors that play a role in what type of coverage your business needs and how much you will pay for the coverage. Below are some of the main factors that will impact your rates for commercial auto insurance: Driver Record and Claims History Similar to personal auto insurance, your company's claim history and the driving record for your employees will play a major role in what you end up paying for your commercial auto insurance. Company's with frequent and/or sever claims in the last few years will pay more than a similar company was 0 claims. Company's that employee drivers with moving violations will pay more than those that don't. Vehicle Type Vehicle type will play a major role in what your business pays for commercial auto insurance. It costs far less to insure a small sedan versus a semi-truck or tractor. Gross vehicle weight and the insurance company's claim history with certain vehicles are the driving forces behind the discrepancies. Company Operations and Industry Specifics How your company operates will be a major factor in how much you pay for commercial auto insurance in Georgia. For instance, a company that has a commercial vehicle to run occasional errands presents a smaller risk than one that has drivers going to 14 different job sites in a day. A company that makes several deliveries in one day presents a different risk than a company that makes infrequent deliveries or none at all. In addition, companies that use their vehicles to travel to, or haul, all across the country present more of a risk than a company that operates exclusively in a 25 mile radius. These are just a handful of the many things that go into rating your commercial auto policy in Georgia. It is important that you discuss everything with your agent, so that you can make sure your business is properly protected in the event of an accident. They are called accidents for a reason- no one plans on having them. The last thing you would want is for your business to go under due to a claim that isn't covered. If you haven't discussed these things with your agent, then give us a call right way! We would love the opportunity to provide value to your company and ensure that your business is properly protected. Call us at 678-250-8133 TODAY to see how we can help with your commercial auto policy! The Roberts Insurance Group is a Georgia Insurance Broker specializing in commercial and personal insurance for our clients throughout the state of Georgia. We help our clients lower their cost of insurance with our superior claim and risk management expertise and our extensive carrier access. We are in the business of building relationships with our clients to help them grow and succeed. Contact us today to see what we can do for your family or business. Builders' Risk - Also Known As Construction Insurance Builders' Risk Insurance is an insurance policy that covers a builder or contractor's property, construction materials, and equipment while a project or building is under construction. In today's world, legislation has been passed in most states that require builders or contractors to purchase a builders risk policy, especially when it relates to commercial construction and new home developments. So How Does Builders' Risk Differ From Commercial Property Insurance? The big difference between a Builders' Risk policy and a Commercial Property policy is that a Builders' Risk policy is tailored to a specific job or project and will cover the property and materials from the beginning stages of the project all the way to the project completion. A standard Commercial Property policy WILL NOT cover the risk specific to building or renovating, which is why you need a Builders' Risk policy. This includes things like damage to the construction site due to weather events or vandalism. For instance, if your company is constructing a building and half way through the construction, a tornado wipes out the building entirely, a Builder's Risk policy is THE ONLY policy that is going to pay for the loss and reconstruction. A Commercial Property policy WILL NOT cover that. How Much Should You Be Paying For Builder's Risk Insurance In Georgia? This is a difficult question because there are many factors that play a role in the rate and pricing. The cost of the policy are generally going to be 1-2% of the total construction budget but can sometimes be less depending on what kind of carrier access your broker has. Some of the other factors include:
Builders' Risk Coverage Specifics
Who Pays For The Builders' Risk Policy?
Types of Builders' Risk Policies
Things to Know Before You Purchase A Builders' Risk Policy
Builders' Risk policies are not your typical "standard" commercial insurance policies. Every project is unique and your Builders' Risk policy needs to be tailored to fit your project's needs. This is where The Roberts Insurance Group can help. We specialize in working with contractors and construction projects all around Georgia and can make sure your project is getting the very best coverage for the very best price. Give us a call at 678-250-8133 to see how we can help with your Builders' Risk policy! The Roberts Insurance Group is a Georgia Insurance Broker specializing in commercial and personal insurance for our clients throughout the state of Georgia. We help our clients lower their cost of insurance with our superior claim and risk management expertise and our extensive carrier access. We are in the business of building relationships with our clients to help them grow and succeed. Contact us today to see what we can do for your family or business. When it comes to business insurance in Georgia, there's a few different ways you can buy insurance for your business: 1. You can buy online or direct through a carrier- DIY Insurance 2. You can buy through a captive agent 3. You can have your problem solved with an independent insurance agency Do-It-Yourself Business Insurance This is a really bad idea and the worst of your 3 options. This is when you try to buy insurance without the help of a licensed agent. It's like trying to diagnose yourself for a medical condition through WebMD. Why is it a bad idea? It is unlikely that you're aware of all of the different coverage options and how they may be able to apply to your business. In addition, you probably aren't aware with what coverage limits will be applicable to your business based on the operations. At the end of the day, if there is a claim that isn't covered and it could have or should have been, that's 100% on you and you'll be paying out of pocket. 99 out of 100 times, a licensed insurance agent is going to give you much better advice and insight into the available coverage options and help you find a plan that works best for you and your business. If they do make a mistake or give you bad advice, they're insured for that through their errors and omissions insurance policy. . Another major reason to avoid DIY business insurance is that you're probably going to end up paying way more than you have to for one of 2 reasons:
Buying Through A Captive Agency When you buy insurance through a captive agency (State Farm, Geico, Allstate, etc.) you're buying from a company that usually has just one option available for you. These agents are often very knowledgeable when it comes to the features of their products (because they only have one line of products to master) but you, as the business owner and consumer, are only getting that one option. This would be like going to dinner to a restaurant that only offered one appetizer, one entree, and one desert. With the limited options, there are many times that the captive agency may not be the best fit for a particular company both because of the price they charge and the coverage offered. We see policies from captive agencies every day that do not have vital coverage such as cyber, EPLI, professional liability, and more. Lastly, it is unlikely that one company would be the best fit for all of a businesses needs. Many businesses have complex needs that includes many different policies packaged together. If you have your liability, business property, commercial auto, and workers comp all with one company, chances are you're paying more than you need to and missing out on important coverages and features. You're losing money today and when there is a loss to the business. As businesses grow, evolve, and change, it is important to have options. Solving Your Problem With An Independent Insurance Agency The third way to buy business insurance is with the use of an independent insurance agency or broker. Independent insurance agencies, like The Roberts Insurance Group, tend to specialize more in commercial insurance and have access to hundreds of carriers and markets to best fit your business' needs and budget. An independent insurance agent will shop your coverage around to make sure your company is getting the very best price and coverage available, giving you the best overall value. This is exactly what we do for our clients at the Roberts Insurance Group. We make sure the businesses we insure have the coverage they need at the best possible price available. We're the business insurance specialists in Canton, GA and can help you navigate the market and workforce changes to guarantee you're getting the right coverage without being overcharged. Give us a call today at 678-250-8133 to see what we can do for your business! The Roberts Insurance Group is a Georgia Insurance Broker specializing in commercial and personal insurance for our clients throughout the state of Georgia. We help our clients lower their cost of insurance with our superior claim and risk management expertise and our extensive carrier access. We are in the business of building relationships with our clients to help them grow and succeed. Contact us today to see what we can do for your family or business. |
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February 2022
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