Business Insurance FAQ in Covington, GA

To determine how much business insurance your company needs, you need to consider many factors, including your industry, property value, services offered and workforce size. Many companies start by reviewing the cost of their buildings, equipment, inventory and customer‑facing activities. In general, your coverage should align with the realistic risks your company may encounter in the Covington area.

Business insurance policies often differ in how they handle various types of workers. Employees are usually included in standard workers compensation and liability structures. Contractors, on the other hand, may not be covered, especially if they carry their own policies. Seasonal workers can be covered, but they may require adjustments to your policy during the months they assist your business.

Many standard property policies can address damage caused by high winds, heavy rain and occasional tornadoes, although the amount of coverage depends on your policy limits and selected endorsements. Flooding often requires separate coverage, so it is essential to check if rising water is included.

Filing a claim through our agency starts with documenting the situation with photos, videos and written notes. Next, contact our office to report what happened so we can guide you through the next steps. We can help you submit the required forms, communicate with the carrier and track your claim from start to finish.

If you’re a business owner in Covington, GA or nearby areas and want guidance on business insurance, Lord & Associates Insurance Agency is ready to help. Contact our team today to speak with an agent or request a personalized quote.