When you are starting your business, you are so excited about getting things together that purchasing commercial insurance may be the last thing you think about. However, having a commercial insurance policy should be one of the things to have on your to-do list. You worked so hard in starting your company, so don’t let the unthinkable, like natural disasters or lawsuits, destroy what you’ve worked so hard for. 

Having said that, you should know that there are many types of commercial insurance coverage available. Nevertheless, the following are the basics of commercial insurance: 

1. Liability Insurance

Also referred to as errors and omissions (E&O) insurance, this insurance protects against negligence claims from harm resulting from performance failure or mistakes. 

2. Property Insurance

This insurance covers property that you lease or own in case of theft, storm, or fire. Earthquakes and floods, however, are usually not covered. 

3. Home-based Insurance

This type of insurance is unique and does not operate like commercial property insurance. So, hiring a reliable insurance agent can assist you if you have a home-based business. 

4. Worker Compensation Insurance

This insurance coverage should be added when you hire your first employee. With this coverage, your employees will have a disability, medical, and death benefits if the employees have work-related injuries or died as a result of work. 

5. Vehicle Insurance

It is important to ensure your company vehicles are covered as well. 

6. Property Liability Insurance

If you are selling products to the public, it is vital to have product liability insurance. There are tons of stories throughout the history of various companies getting sued due to damage claims from customers using your product. In many of these cases, companies lost the lawsuit.  

7. Business Interruption Insurance

When it comes to pandemics or catastrophes, company operations may stop. And as a result, they won’t be able to gain profit, pay employees, and pay for bills. Thus, this insurance coverage is very important. 

Conclusion

When it comes to commercial insurance, these commercial insurance coverages are the foundation. However, in some cases, more coverage may be needed.

For more information about commercial insurance, contact Town & Country Insurance. Located in Buford, GA, Town & Country Insurance has been serving Buford GA and surrounding areas since January 2010. They are also partnered with multiple insurance carriers. Contact them today!

Life insurance is a smart investment, especially if you have people who are financially dependent on you. If you are wondering whether you need this type of insurance or not,  Town & Country Insurance serving Buford, GA has prepared the list of categories of people who need it most: 

• Breadwinners. If you are a breadwinner of the family, it means that your family members depend financially on you. Therefore, if you pass away, they may have to deal with financial problems. The best way to protect them and make sure that they are able to have the same financial level of comfort after you pass away is to get life insurance. 
• Business owners.  Life insurance helps to cover business debts. For this reason, every business owner should consider getting it. 
• Stay-at-home parents.  According to the website Salary.com, an average salary of a stay-at-home parent is $178,000. It is a high amount to make up for if a stay-at-home parent passes away. For this reason, stay-at-home parents may need life insurance even more than working parents. 
• Single mothers.  The statistics say that over 40% of babies in the US are born to single mothers. Many of these women do not have anyone who is able to support and help them financially. The best way for them to protect their kids is to get life insurance. 
• Singles with no kids.  Even if you an unmarried single person, you still need life insurance. First of all, because funerals are expensive. And second, there are still people who may need financial help after your death – your parents, siblings, or nephews. 

If you realized that you belong to one of these five categories, it is time to get a life insurance policy. Town & Country Insurance serving Buford, GA and other surrounding towns is ready to answer all your questions and find a policy based on your personal and financial needs. Give us a call today to discuss the options available. 

Like any business, your home enterprise needs protection against unfortunate events that can deplete your business finances. At Town & Country Insurance, we’ll assess your home business and recommend appropriate insurance coverage to protect it from harm. Depending on your Buford, GA home enterprise, you may benefit from one or more of the following commercial insurance options:

Property Coverage

Home insurance is designed to protect your home and personal belongings. This may include your business office setup at home, but not your business equipment or inventory. Commercial property insurance will cover your computer, printer, scanner, filing cabinets, and other equipment your business uses at home. This same coverage will protect any inventory you have stored in your house or garage. 

Liability Coverage

If you receive clients regularly at home for business purposes, you may want commercial liability coverage to protect you against accidents. A slip and fall in your driveway could send a client to the hospital with a broken bone, leaving you responsible to pay his medical costs. Commercial liability covers this expense to protect your business profits. It also protects you against lawsuits if someone sues you for damages. Product liability protects you against injuries caused by a product your business produces or sells.

Business Interruption

Even home businesses can be affected by natural disasters. Business interruption insurance covers the loss of revenue, payroll, and other expenses if your home business has to close temporarily due to disaster damage or loss of power.  

Worker’s Comp

If your home business employs three or more part-time, full time or seasonal workers, you’re required to have worker’s comp insurance in Buford, GA by law. This coverage protects your workers from injuries sustained on the job.

To learn more about commercial insurance coverage for home businesses, contact us at Town & Country Insurance.

If you live in Georgia, you’re accustomed to warm, sunny weather many months of the year. It’s perfect for spending time outside. From outdoor enthusiasts who enjoy the adrenaline rush of riding an ATV to those who prefer sunbathing on a boat, nothing brings peace of mind quite like having insurance. Whether you have an ATV, RV, boat, or another recreational vehicle, purchasing insurance is a worthwhile investment. So why should you choose Town & Country Insurance in Buford, GA as your recreational insurance provider? Read on to find out why!

Industry Experience: Town & Country Insurance has been serving Buford, GA for more than 10 years. The agents at Town & Country Insurance have many years of experience in various sectors of the insurance and sales industries. They are extremely knowledgeable and will thoroughly explain your options to ensure that you get a policy that best suits your lifestyle.

Personal Attention: Town & Country Insurance agents provide superior customer service. They take the time to get to know you and your specific needs. At Town & Country Insurance, you’re not just a client – you’re family. Town & Country Insurance agents take the time to get to know you, so you’re guaranteed a recreational insurance plan that is unique and personal.

Options: Interested in insuring an RV or boat? Want to add a supplemental policy for an off-road vehicle to an existing plan? Town & Country Insurance offers plenty of affordable options for recreational insurance. Choose from plans that protect both you and your property.

To learn more about what’s covered in a recreational insurance policy, contact Town & Country Insurance in Buford, GA today!

Life insurance is an important part of every family’s financial planning, not just those that have young children. If you are in the greater Buford, GA area, the team here at Town & Country Insurance is here to help you find the right life insurance policy to meet your family’s current and future needs. There are many benefits to a life insurance policy in addition to the death benefit.

Important facts to know about life insurance 

In addition to the death benefit, there are other important features that can help all GA families, regardless if they have young children or any children at all. For instance, with the policies that provide cash benefits, there is the ability to access those funds for major life expenses. In fact, life insurance can be a key part of college or retirement planning. Think about having the ability to help your grown children with tuition expenses, providing the down payment for their first home, or taking care of their wedding expenses. These are just a few examples of the way that the cash value of a life insurance policy can provide a benefit to you and your family. 

Of course, it is also important to consider life insurance as a way to provide for a spouse after your death. A death benefit can make the difference between staying in the family home and having to move during an already stressful time.

The team at Town & Country Insurance is here to serve all of your insurance needs, including helping you find the right life insurance policy for your Buford GA area family. Don’t be overwhelmed by all of the options available, we are here to help you find the policy that is right for your needs.

One dream that some people have is to eventually start and open their own business. Those that are in the Buford, GA area should consider starting a company in this town. There are many economic benefits in this area that offer a lot of opportunities. When you are looking to start a company in this area, it is important to fully consider your insurance needs. There are many reasons why someone needs to have commercial insurance when starting a company.

Provides Protection From Liability

One important reason why a business should get commercial insurance is that it can provide protection from liability. There is a lot of liability risk that goes along with owning a business. If you have a customer that gets sick or hurt when using your product or service, you could be deemed liable. A full commercial insurance policy will give you coverage to protect against this risk.

Covers Assets From Losses

Starting any type of company will come with an initial investment. This investment is often used to buy inventory and other assets. These assets are often the building blocks of the company and losing them could be devastating. Since the risk of theft, fire, and other negative situations are always present, you need to protect against them as much as possible. The best way to do this is by getting a full commercial insurance policy. 

Those that need to have commercial insurance in the Buford, GA area should call Town & Country Insurance as soon as they can. When they call Town & Country Insurance for their commercial insurance needs, they will quickly find that the company offers great guidance and support. This will help to ensure that you get into a policy that gives the right level of coverage. 

With so much to see and do in Georgia, an RV road trip is sure to be an unforgettable experience. For stress-free travels, make sure you have adequate RV insurance to protect you against breakdowns and accidents. At Town & Country Insurance in Buford, GA, we’ll ensure you have the right insurance coverage to meet Georgia requirements and your personal travel needs.

Mandatory RV Insurance in Georgia

By law, Georgia requires RV drivers to carry minimum liability insurance to pay for injuries or damage to others in accidents they cause. If you cause an accident that sends another driver to the hospital or totals his car, your liability coverage will help pay for his medical bills and loss of property so you don’t suffer financial loss.   

As RVs can cause a lot of damage in an accident, you’d do well to obtain more than just minimum coverage to protect your assets against serious accidents you may cause.

Additional Coverage

Liability RV insurance is mandatory in Georgia to protect other drivers. Additional coverage in the form of collision, comprehensive or uninsured/underinsured motorist (UM) to protect your vehicle against accidental damage is optional.  

Collision insurance pays for repairs to your RV if you collide into another vehicle or object such as a tree or wall.

Comprehensive insurance covers damage caused by non-collision accidents such as falling objects, hail or striking an animal on the road. If your RV is stolen, comprehensive coverage will compensate you for its current market value.

Uninsured/underinsured motorist coverage helps pay for your medical expenses or RV damage if you’re hit by a driver with insufficient or no insurance coverage, which is more common than people imagine.  

For more information about RV insurance and the protection, it has to offer, call or visit us at Town & Country Insurance in Buford, GA.

Life insurance from Town & Country Insurance in Buford, GA can be an investment in your family’s future. You can’t predict when you’ll pass on. You can, however, prepare for unforeseen events by purchasing a life insurance policy today. Here’s how life insurance can help you prepare for the unexpected.

Financial Security

When the time comes, life benefits can provide your family with financial security to carry on after you’re gone. Life benefits can be used to replace lost income, pay off a mortgage or other debts, cover medical expenses, pay for childcare or cover the cost of your children’s college.

If you’re the primary breadwinner in your family, your unexpected demise could leave your spouse and children in dire straits financially. Life benefits will enable your family to maintain the lifestyle they’re used to until your spouse can make provisions for the future.

Support for Aging Parents

In today’s economy, it’s often difficult for seniors to make ends meet after retirement. Your support could be crucial to your parent’s daily living. If you were to unexpectedly pass on, life benefits can continue that support after you’re gone. Your parents can use these benefits to help pay the bills, cover medical costs, start a new business or supplement their retirement.  

Fund a Business Venture

If you’ve started a business with a partner, life benefits can help your partner continue the venture upon your untimely demise. Life benefits can help replace the income you would have invested in the business to help keep your dream alive.

You never know when a fatal accident or illness will result in your unexpected demise. That’s why it’s important to prepare in advance. To learn more about the benefits of purchasing a life insurance policy, contact Town & Country Insurance in Buford, GA.