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Garrison Insurance Group

1001 Oak Rd SW, Ste 3
Lilburn, GA 30047

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Tips for choosing the right auto insurance policy

Auto insurance exists to protect you and your vehicle on the road and when you get in a car accident. Choosing the right auto insurance policy can be tricky because it requires research and consideration. When you are shopping for auto insurance, there are many things to keep in mind. To make it easier for you, here is a list of a few useful tips you should follow when choosing a policy for your car:

Tip 1: Check the mileage

Yearly mileage is one of the factors that determines your premium. It is essential to be as accurate as possible when providing your mileage. You need to analyze your driving habits and calculate how many miles you drive daily and how far you go. Has your commute to work changed recently? Do you take road trips regularly?

Tip 2: Choose the right deductible

Deductibles are the amount you have to pay out of pocket before your insurance kicks in and starts covering the rest. The higher your deductible, the less you will pay for your insurance. However, when you decide the amount to pay for a deductible, make sure you can afford it.

Tip 3: Choose a trusted insurance company

Ensure that the company you are buying car insurance from is experienced and trusted. You also want to ensure the company has good customer service so you can contact them immediately after a car accident.

If you are shopping for auto insurance in Lilburn, GA, or any other nearby town, we have a reliable insurance company you should reach out to. Garrison Insurance Group is a local insurance agency that works with clients in Lilburn, GA, and other areas surrounding the state of Georgia. Feel free to contact us to learn more about insurance options for you.

Honest Mistake, or an Errors & Omissions Business Claim Not Covered?

You see it as an honest mistake. Your client thinks you didn’t do your job according to project terms. Who’s right? 

Let Garrison Insurance Group serving Lilburn, GA explain errors & omissions in business to you. Then, allow us to show you what E & O insurance covers. 

In the process, be assured that we don’t judge situations based on circumstances. We want you to feel protected financially, even for mistakes in operations that are not your fault. 

What are Errors & Omissions in Business?

Errors and omissions in business include actions that clients may call “negligent.” A company could also be accused of not fulfilling a contract as promised. 

Otherwise, you perhaps commit costly “errors” when attempting to complete a project. In the medical field, this is often referred to as “malpractice,” such as when a surgeon unintentionally infects the bloodstream with contaminated tools during an operation. 

Examples of errors made in business:

An accountant may provide clients with incorrect information about investment trends. Other cases may include the accidental placement of a harmful ingredient in food when processing it. 

Examples of "Omissions" In Business

”Omissions” usually refer to failure to deliver what you say you will provide. The most obvious example is failing to finish a project by a deadline. 

More “hidden” but crucial examples:

Other examples include failing to file customer information in records and forgetting to sign a contract. Although this may seem like a small mistake, it later voids an important merger and acquisition contract. 

E & O Insurance Coverage

Every E&O policy may have its own inclusions. Many of them relate to covering legal fees, damages, and lawsuit settlements. Some professionals who carry E&O insurance for their business include digital marketers, lawyers, event planners, and investment managers. 

What E & O Insurance Doesn’t Cover 

Please contact Garrison Insurance Group in Lilburn, GA. We will advise you on what E&O insurance doesn’t cover, such as data breaches or criminal activity, and let you know if you need other coverage besides E&O commercial insurance. 

Should I update my home insurance after remodeling?

When it comes to home renovation, it’s always a game of risks versus rewards. The risks may surge during the remodeling period, but the personal gratification that comes with adding your personal touch and functionality to your home is unparalleled. For individuals residing in or around Lilburn, GA, Garrison Insurance Group can manage your home insurance needs during this exciting time.

Insurance For Homeowners

Just like remodeling, home insurance is a realm where different types and their demands intersect. Certain homeowners view an accident as a ticking time bomb, hence opting for home insurance for the expected unexpected. Then there are those who get insurance coverage for the rare ‘just in case’ scenarios. Despite their different outlooks, both types comprehend the hefty aftermath of an accident and the helping hand that insurance offers.

Insurance Risks Associated with Home Remodeling and Renovation

Home insurance shields homeowners from the risks that come with owning a property. During home renovations, there’s an elevated risk of unfortunate events occurring due to the presence of workers, tools, materials, and potential electrical complications. Notifying your agent about your renovation plans is vital, as certain insurance policies stipulate this requirement.

Home improvements often increase a property’s value through added floor space, updated appliances, and kitchen cabinets, among other upgrades. As a homeowner, before you start your renovation project, have a detailed discussion with your agent to ensure optimal protection.

At Garrison Insurance Group, we understand the value of your home investment and the need to guard it against potential losses during and after renovations. To project peace of mind and ideal home insurance coverage in Lilburn, GA, stop by or give us a call today.

Is Your Renters’ Insurance Policy Providing You with The Level of Protection Needed?

Optimizing Your Renter’s Insurance Coverage

A robust renter’s insurance policy covers the cost of replacing or repairing your insured possessions. However, it’s crucial to regularly assess your coverage to ensure it’s adequate for your current needs. Here is how you can optimize it.

Policy Review

Your insurance documents outline which possessions are covered under your policy and the maximum claimable amount. If you need to file a claim, it will be evaluated, and if approved, you will be provided with the claim amount as per your policy’s existing terms. This makes a regular review of your policy documentation crucial.

Assessing Your Assets

Take inventory of the items in your rental property and cross-reference it with your insurance coverage. This exercise will help identify any uninsured possessions that require coverage. It’s also equally essential to note any insured items are no longer in your possession, as these should be removed from your policy.

Documenting Possessions

Taking pictures or maintaining a visual record of your possessions can significantly simplify the process if you ever need to file an insurance claim. Clear images and accurate descriptions contribute greatly towards swift claim processing.

Seek Professional Guidance from Garrison Insurance Group

If you wish to update your renter’s insurance policy or need assistance understanding your coverage, don’t hesitate to contact one of our agents at Garrison Insurance Group. Catering to clients’ needs in and around Lilburn, GA, we bring a seamless and tailored approach to insurance services.

Motorcycle Insurance Essential for Georgia Riders

Garrison Insurance Group is dedicated to helping people in Lilburn, GA deal with all their motorcycle insurance needs. Whether you’re an experienced rider or a new rider, we want to help you understand all you need to know about the necessary insurance for motorcycle riders in Georgia.

Is Motorcycle Insurance Required?

Before you can get riding, you have to understand the motorcycle insurance requirements. In Georgia, all drivers and riders must have a certain level of liability coverage, which includes $25,000 in bodily injury per person, $25,000 in property damage per accident, and $50,000 in total bodily injury per accident.

However, that’s not all. While it is not a strict requirement, the state suggests that drivers should have uninsured or underinsured motorist coverage that is at least $25,000 per person and $50,000 per accident for bodily injury and property damage of at least $25,000 with either a $250, $500, or $1,000 deductible.

You may want to add additional coverage beyond even that, but having at least the minimum is a good starting point when you’re determining what kind of coverage you may need.

What Types of Motorcycle Insurance are Available?

There are tons of types of coverage riders can choose from. The main types of motorcycle insurance coverage include:

  • Liability insurance includes different liabilities that may occur to another driver or their property when you are at fault for an accident.
  • Medical payments coverage is special coverage that focuses on covering medical expenses that happen to you or a passenger.
  • Personal injury protection covers medical bills, lost expenses, and other financial damages you may face after an accident.
  • Collision coverage helps cover damage that can result from a collision.
  • Comprehensive coverage is there to protect you when you have an incident that is not caused by a collision, such as vandalism or natural disasters.
  • Underinsured or uninsured insurance helps you when you are in an accident with someone else who doesn’t have insurance or enough insurance to cover your expenses.

Choose Motorcycle Insurance You Can Trust

If you’re in Lilburn, GA or nearby, the Garrison Insurance Group will be happy to answer any questions or concerns you may have about what motorcycle insurance policy will be right for you. Contact us today!

What does Condo Insurance Typically Cover?

Condominium insurance is similar to homeowners’ insurance for single-family homes in Lilburn, GA, but with several key differences.  Condo owners usually need to buy this protection before taking possession of the unit. You’ll also need to consider what your condo building association covers in its master policy before you purchase your personal one from Garrison Insurance Group.

What Does Your Condo Association Cover?

Before buying personal condo insurance, read your condo association insurance policy, which will outline the coverage your association will provide for your building. These policies differ widely, so reading yours will help determine what coverage you already have and what you can exclude. Association insurance generally covers damage to the building’s roof or siding and mishaps in common areas like hallways, elevators, the lobby, and the like. Ask your association for a copy of the policy to determine what necessary coverage your personal policy should have.

What Coverage Should I Buy?

First and foremost, you want to protect your personal belongings, such as clothing, furniture, electronics, and similar items. Condo insurance typically covers the following:

  • Personal property
  • Additional living expenses or loss of use
  • Liability and medical payments
  • Dwelling or building property coverage
  • Bare walls coverage
  • Loss assessment

Virtually no master condo policies cover your personal belongings, which will be a major part of your policy. However, seriously consider adding additional living expenses if your unit becomes uninhabitable due to mishaps like fires in other units. You’ll also want liability coverage if someone sustains injuries from an accident in your unit. Consult the master policy for bare wall coverage and loss assessment. If you are unsure about the language in the document, the agents at Garrison Insurance Group, serving Lilburn, GA, can assess the situation. Contact our office today for an appointment to get started on your coverage.

What value comes with a life insurance plan here?

Anyone who is living in the Lilburn, GA area will want to make sure they are properly covered with insurance. One type of coverage all people need to have is life insurance. This is a valuable form of insurance that offers various forms of support and benefits to both policyholders and the beneficiaries of the plan. 

Financial Support for Dependents and Loved Ones

One of the primary reasons to have a life insurance plan is so you can offer financial support for those that you care about. If you have individuals in your life who rely on you and your source of income, the life insurance plan can offer financial protection and coverage for future expenses. Even if you do not have dependents, life insurance can offer support for end-of-life expenses that could be incurred by those you care about. 

Investment Benefits

In some situations, you can use life insurance as an investment tool. Whole life insurance is a unique type of coverage that offers insurance for the rest of your life as long as premiums are paid. An added benefit is that a portion of your life insurance payment will build in an account that will grow in value over the years. This can make it a great addition to any investment plan. 

Consult With Us

If you are looking for a life insurance plan in the Lilburn, GA area, you can quickly find there are a considerable number of options and factors to consider. Once you are ready to start the search for your next insurance plan, it would be a great idea to call our team of professionals from the Garrison Insurance Group. Our team with the Garrison Insurance Group knows how valuable this coverage is, and they can offer ongoing guidance and support as you build a new policy. 

What Kind of Insurance Do You Need for Older Cars?

Lilburn, GA is a small town located in the Atlanta Metropolitan Area. The rural areas around Lilburn provide relaxing scenery for driving. This may be the perfect spot to take your older car for a leisurely drive. It’s important, however, to make sure your older vehicle is adequately insured.

What is Considered an Older Car?

While there’s no specific definition of what is considered an old car, some financial experts recommend switching from full coverage to liability when a vehicle is 10 years old. While the value of each individual car will vary, once a car is over 10 years old, insurance needs for most vehicles will change. No matter how old your car is, in the state of Georgia you will need to have a minimum of liability insurance.

What Kind of Insurance Should You Have?

While newer cars are often more expensive to insure, older cars aren’t automatically less expensive. This is because it’s sometimes difficult to find and replace parts in older cars. The value, age, and use of your vehicle will largely determine what type of insurance coverage you’ll need. Whether it’s worth it to still carry comprehensive and collision coverage for an older car will depend on a few factors, including if you still owe money on the car. You’ll want to talk with an experienced auto insurance agent to find out what type of coverage is best for your older car.

Contact Garrison Insurance Group

Garrison Insurance Group in Lilburn, GA is an independent agency serving the Atlanta area. We provide a wide range of services, including auto insurance. We can provide you with insurance for your older vehicle. Contact our insurance team today for more information.

Mitigating Cyber Risks: Why Businesses Need Cyber Liability Insurance

In today’s digital age, Georgia-based businesses are more reliant on technology than ever. While depending on the use of technology to manage critical data, including customer records and details, can benefit businesses, it can also have risks. The threat of cyber-attacks via data breaches and malicious online activities like hacking and virtual thefts can cripple a business. 

Our knowledgeable insurance agents at Garrison Insurance Group in Lilburn, GA can help you protect your digital investments! 

What is a Cyberattack?

A cyber-attack happens when outsiders deliberately attempt to access and tamper with computer systems networks and compromise digital data.

Virtual attacks are often carried out by individuals who want to steal sensitive data, disrupt business operations, or cause intentional damage to businesses and organizations by hijacking their most essential data. 

Examples of Cyberattacks Waged Against US Businesses 

  1. Malware Attacks
  2. Phishing Scams
  3. Denial of Service Attacks
  4. Brute Force Attacks
  5. Insider Threats
  6. Social Engineering 

Cyber liability insurance offers policyholders specialized coverage that can protect them from the financial fallout caused by data breaches and cyber-attacks. 

Protect Your Business from Virtual Threats with Cyber Liability Insurance

When a business experiences a cyberattack, its operations can be impacted for hours, days, or even longer when nefarious cyber criminals hold their data hostage and demand payment to unlock critical customer files. Get protection from financial loss with cyber insurance, which can provide protection from liability, cover regulatory fines and penalties, and support Lilburn, GA area businesses in online reputation management. 

Insurance professionals can work with business owners to help them implement a policy that provides customized cyber insurance coverage and peace of mind when they know their customer data is protected. 

Schedule A Consultation Today

Contact a licensed insurance agent at Garrison Insurance Group to start protecting your data today! 

Home insurance FAQs

Home insurance is an important part of any homeowner’s financial planning. At Garrison Insurance Group in Lilburn, GA, we serve the greater Atlanta area providing our customers with more choice from the many carriers that we offer. We pride ourselves on providing the highest level of personalized service to our customers. 

What property and perils are excluded from most homeowner policies?

If you have certain breeds of dogs or exotic pets, the chances are that your home insurance policy will not cover them. Be sure to verify your dog’s breed with your insurance agent. When it comes to perils, floods will not be covered. You need to add flood coverage if your home is in an area where the danger exists. Earthquakes, sinkholes, landslides, and mudslides are also not covered. Most policies also will not cover sewer backups. 

When can an insurance company cancel my homeowner’s coverage?

The most common reason for cancelation of a home insurance policy is nonpayment of the premium. It can also be canceled if it is discovered that you have committed fraud or misrepresentation. The insurance company can require that you make necessary repairs that your home requires and if you fail to do so, they can cancel your policy. 

If my tree falls on my neighbor’s house or property, who is responsible?

In most cases, their home insurance will pay for the damage. If it is felt by their insurance company that the cause was negligence on your part, they may try to get reimbursement from your insurance company. This is why it is important to make sure that you maintain any of the trees in your yard. 

Schedule A Consultation Today!

At Garrison Insurance Group in Lilburn, GA, we can help you with any questions you have about home insurance. Give our office a call for a no-obligation quote.