Commercial insurance comes in many varieties depending on the needs of a particular business. Business owners of restaurants are well-advised to work closely with their insurance agent at The Insurance Mart, serving Blue Ridge, GA and the surrounding area, in order to make sure there is adequate insurance coverage to protect the business and the owner’s interests.

The categories of commercial insurance that restaurant owners should consider include:

• Worker’s Compensation
• General Liability
• Commercial Vehicle Insurance
• Property and Casualty Insurance
• Product Liability
• Business Interruption Insurance
• Umbrella Insurance
• Key Person Insurance

Worker’s Compensation Insurance

This insurance is mandated by state law. Every employer in the state of Georgia must maintain worker’s compensation insurance. This insurance protects both the employees and the employers. The employees are guaranteed a certain level of insurance coverage and payments for medical expenses, injuries, or payment to the next of kin for an employee’s loss of life while on the job. The employers have limited liability in the amount of the coverage offered by worker’s compensation insurance.

General Liability

This type of insurance provides protection for customers if there is an accident.

Commercial Vehicle Insurance

If any vehicle is used for the business, such as making food deliveries or picking up stuff for the restaurant to use, it needs to have commercial vehicle insurance.

Property and Casualty Insurance

This insurance protects the company’s assets that include the building, equipment, inventory, and furniture.

Product Liability

This type of insurance covers any products sold.

Business Interruption Insurance

This insurance helps pay the bills if the business has to temporarily close due to unforeseen circumstances such as a natural disaster.

Umbrella Insurance

Umbrella insurance covers things that are not covered by other policies and extends the policy limits of other policies. Because of the risk of high settlement amounts or litigation awards, most businesses benefit from having umbrella coverage.

Key Person Insurance

If the business is heavily dependent on the efforts of a specific person or persons, they should have insurance so that their heirs can be able to withstand a sudden death or permanent disability of the key person, which negatively impacts the running of the business.

Conclusion

As a restaurant owner, it is best to have an insurance review with your agent at The Insurance Mart serving Blue Ridge, GA to make sure all your insurance coverage is adequate for your needs. Contact them today.

In today’s rush and hurry world, we often try to do things online or by a phone message that really needs an actual conversation. At The Insurance Mart, we want everyone in Blue Ridge, GA to get exactly the insurance they need, one reason we encourage people to come by and talk about your insurance needs before you buy.

If you try to go the do-it-yourself route, you could end up with not enough, too much or the wrong coverage altogether. For example, there are two different kinds of recreational insurance – outdoor/recreational insurance and recreational vehicle insurance. They’re both known as recreational insurance, for short.

If you want to insure your boat, Seadoo, RV, fifth wheel, snowmobile, dirt bike, dune buggy, golf cart, or ATV, you need recreational vehicle insurance. You’ll obtain a comprehensive policy to protect both rider and ride.

On the other hand, outdoor/recreational insurance offers businesses such as outfitters & guides, rope courses and ATV, bicycle or snowmobile tours either general liability insurance to cover bodily injury and property damage claims or comprehensive protection. It also covers amateur sports events. Although some items covered under it do involve a vehicle, others don’t. A ropes course or 5K race involves only the entrant and their physical capabilities.

The Insurance Mart wants to talk with you to know if you need insurance for your weekend ride or your weekend business. If you buy online, the similarities in name and some coverages might seem the same. You won’t have what you need though.

Come visit us in Blue Ridge, GA. We’ll help to determine what insurance really serves your needs and your budget.

The Insurance Mart of Blue Ridge, GA understands how much love and care can go into classic car ownership, in addition to the expense of buying and maintaining the vehicle. We are here to help you procure the comprehensive care that your classic car requires and help you gain the peace of mind that comes with knowing that your hobby and investment is fully covered. If you are considering the purchase of a classic car, give us a call to ensure that your new investment has the comprehensive coverage such a vehicle deserves.

Protect Your Classic Car Investment

If you have or are considering buying a car that is 12 to 24 years old and is of a limited production or a rare make and model, you will want to protect your investment with classic car insurance. These policies are tailor-made for the unique requirements of such an investment, and our trained agents are here to ensure that your car receives the right coverage. 

There are certain regulations that come with classic car policies, such as the stipulation that the car receives a limited use, it must be restored or in excellent condition, and this condition must be actively maintained. Some policies will require that the vehicle is stored in a secure garage or other location, while others do not carry this requirement. Whether it is required or not, safely storing your classic car is always a smart idea.

The Insurance Mart is proud to serve the unique insurance needs of the greater Blue Ridge, GA area and would welcome the opportunity to fulfill your comprehensive insurance needs. Please give us a call today at (706) 492-3234 to schedule an appointment to discuss your classic car insurance needs. We look forward to working with you!

Just as you are required to carry liability insurance on your car, you are also required to carry coverage on your RV. While the two policies may have some similarities, due to the nature of the vehicle, an RV must have a specialized policy. The team at The Insurance Mart has worked with RV owners in the Blue Ridge, GA area for many years. Like you, they enjoy the area lakes and recreation areas so the understand your needs.

As the RV combines elements of both a vehicle and a living space, insurance policies have to recognize both of these elements. Other factors that will determine appropriate insurance coverage include the size, weight and special features the RV has. RVs are rated as Class A, B or C. Class A motor homes are large RVs with full size features designed for long term use. Class B RVs are smaller vehicles and have far fewer amenities. These “camper vans” are most often for short term use.  Class C motorhomes are a mid-size RV. While they are smaller than a Class A, many people see Class C RVs as a more economical choice for their family. Another factor that determines coverage levels is the amount of use the RV will get.

RV insurance policies protect with liability, personal injury and collision coverage. They can also provide coverage for full replacement should your RV be stolen or totaled in a collision. There are also policies that will cover your personal effects. Additional coverage can protect elements that are attached such as awnings or satellite dishes. 

The team at The Insurance Mart can help you with your RV insurance needs in the Blue Ridge, GA area. Call today and get the protection you need!

Each time you cast off in your boat, you want to have peace of mind knowing that you’ll be covered if an accident or unexpected event occurs. To get this piece of mind, you’ll need an insurance policy that will protect your boat and finances no matter what.

Depending on your boat, location, and policy choice, there may be additional coverage options available to you, but for the most part, when it comes to boat insurance, you’ll be working with a policy that provides standard coverage options. This includes physical property damage coverage and liability coverage. 

Physical Property Damage Coverage

Physical property damage coverage will protect your boat from losses that may be caused by fire, collision, theft, sinking, storms, or other catastrophic events. Generally speaking, your hull, anchors, motors, batteries, fuel tanks, safety equipment, and other permanent boat components will be covered under this type of insurance. Again, depending on the policy that you choose, you may be able to get things like your trailer and other boat-related components covered as well.

Liability Coverage

This type of insurance protects you and your finances from liability claims. If your boat were to cause physical property damage to another boat or structure or if it were to cause personal injuries to someone else, a good liability plan will protect you from possible lawsuits and the subsequent costs.

The Insurance Mart Can Help

Are you a Blue Ridge, GA resident who is looking for boat insurance? The Insurance Mart serves residents of Blue Ridge, GA and would be happy to work with you to find a boat insurance plan that meets your unique needs. To learn more about the boat insurance policies that we offer and to speak with an agent today, give us a call or visit our nearest office. 

Once you’ve made the decision to buy a condo, the next step is to look into condo insurance to protect your investment. By discussing condo insurance options with an agent from The Insurance Mart in advance, you can avoid costly mistakes in insuring your new abode. Here are a few common mistakes people make when purchasing insurance for their new condo.

Getting Insufficient Coverage

Be leery of cheap insurance policies that don’t provide the coverage you need to protect your new home. A “bare walls-in” policy, for example, may cover some aspects of the interior of your Blue Ridge, GA condo, but exclude such essentials as kitchen and bath fixtures, cabinetry, flooring and other architectural details vital to your home. In contrast, “all-in” coverage protects all aspects of your condo.

Selecting Cash Value over Replacement Cost

When insuring personal effects, you may be offered the option of cash value or replacement cost coverage. Cash value coverage may cost less, but has less to offer when making a claim as you only receive the original price you paid for an item, which may not be enough to have it replaced. With replacement cost coverage, your insurance covers the cost of replacing personal property that has been stolen, damaged or lost.  

Not Reviewing a Policy before Signing

Many people make the mistake of signing a policy without reading it through. Reviewing your policy gives you an opportunity to catch any mistakes or omissions in your coverage that could cost you later on. While reviewing your policy, take time to ask questions about anything you don’t understand. Once you sign, you’ll be responsible for what the policy contains or doesn’t contain, whether it’s in your favor or not.

For more information about condo insurance coverage and costs, be sure to contact us at The Insurance Mart, Blue Ridge, GA. 

 

Congratulations, your new business has finally got of the ground level and you are finally seeing some results and compensation from all of your hard work. At The Insurance Mart we love to see new businesses succeed and grow into established companies in and around Blue Ridge, GA. We also know that sometimes things go wrong that are entirely out of the hands of the most hard working business owners. 

3 Reasons to Insure Your Company

1. When you have employees the stakes of your choices no longer only effect you. If your business has employees then they are also depending on your company to continue to flourish. This makes keeping insurance all the more important. 
2. You cannot predict every outcome. Many successful business owners have a keen eye for what matters and have some ability to see what is coming before it happens so they can prevent catastrophe. But even the most observant business owner cannot predict every outcome this where full coverage and even some umbrella policies to cover certain circumstances comes in handy. 
3. Even small home-based business need someone to have their back. It may come as a surprise that your home owner’s insurance may not cover some of your business needs even if your company is run from your home. Make sure you are truly protected because even a small business needs to cover the assets they do have. 

Contact us at The Insurance Mart today to find out more about how we can help keep your business fully covered in Blue Ridge, GA and the surrounding areas. One of the worst feelings after something does go wrong is the realization that the burden would be significantly less if you would had only made one phone call before it happened.