Group Insurance

Having the proper group insurance coverage at an affordable rate can make the difference between the success and failure of your business. Allow our commercial insurance experts to help guide you to success.

What is Group Insurance?

Group insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. 

Group Insurance is a broad name for different coverages available to the business owner to protect against losses and to insure the continuing operation of the business. 

Major Types of Group Insurance

Group Health Insurance
  • Group health insurance coverage is a policy that is provided by an employer and is offered to eligible employees of the company.  Employees can make elections on plans such as medical, dental, vision, disability, and life insurance and cover family members (dependents) as needed. A group health insurance plan is a major part of many employee benefits packages that employers provide their employees.  These plans are instrumental in helping employees gain access to valuable healthcare while also making sure they are protected from the high costs that can result.
Supplemental Insurance
  • Supplemental insurance is an additional benefit option a company can offer its employees (at no cost to the company) or it can be purchased directly by an individual.  These plans provide cash benefits to help an individual pay out-of-pocket and non-medical expenses.  Supplemental insurance has become very popular because they are very inexpensive to purchase, easy to qualify for, and they provide cash to the individual, regardless of other insurance they own, so they can pay for expenses such as deductibles, 
    co-pays, travel, hotel, food, gas, mortgage, utilities, meals, childcare, and car expenses etc.  Even more, premium rates don’t usually increase with age or with the number of claims filed.
Group Disability Insurance
  • Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability that results from illness or injury. Coverage is generally offered in two basic types: Short-term Disability (STD) or Long-term Disability (LTD).  Both help an employee by providing a percentage of their pay check while they cannot work and are disabled.  
Group Life Insurance
  • Group life insurance is “Term” insurance that covers a group of people, usually employees of a company, members of a union or association, or members of a pension etc.  Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group when determining rates.  Group life insurance is a very inexpensive option for an employer to provide employees and the benefit remains in force for the employee as long as they work for the company.
​General Liability Insurance 
  • A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.
Commercial Auto Insurance
  • Covers cars, trucks, motorcycles, and other road vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Commercial auto insurance may also offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from events other than traffic collisions.
Commercial Property Insurance
  • Covers risk of loss to an organization’s buildings or personal property. Usually includes buildings, personal property of the insured business or business owner, personal property of others on site and in the insured’s possession. Coverage can be provided on an all risk or specific perils basis.
Commercial Umbrella Insurance
  • Commercial Umbrella insurance is liability coverage that is in excess of specified other commercial insurance policies and also potentially primary insurance for losses not covered by the other policies. When an insured business is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy (up to the coverage limit of the umbrella policy).
Professional Liability Insurance
  • Professional liability insurance (PLI), also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance that helps protect professional advice and service-providing companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. Professional liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless. 
Business Owner's Package
  • A Business Owner's Package (often called a BOP) is an insurance policy that combines protection from all major property and liability risks in one package. It typically combines all the basic coverages required by a business owner into one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.
Workers Compensation
  • Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.

​Contact us to learn more about the right group insurance for you.
​(706) 289-1198
Columbus, GA 31909​
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