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OFFICE HOURS:
8:30 a.m. to 5:00 p.m.
Monday - Friday
Closed 1:00 - 2:00 for Lunch

Business Insurance

Business General Liability and Property

We can design a program of insurance for any client that is broad in scope and competitively priced. Our goal is to act as a true Trusted Advisor and Risk Manager to all our clients.

General liability pays losses arising from real or alleged bodily injury, property damage or personal injury on your business premises or arising from your operations. Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General liability insurance can prevent a law suit from turning into a financial disaster by providing policy limit financial protection.

Property Insurance covers the risk of a property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy. This can save you time and money on your insurance program. Since we live in an age of million-dollar lawsuits, you may also want to consider adding the protection of a Commercial Umbrella.

Workers Compensation

Do I need workers compensation insurance? This is the question most business owners ask. The law in the State of Georgia states that you must carry workers compensation if you have three or more part time or full time employees. If you use sub-contractors and they do not have workers compensation then the employees of that sub-contractor are considered by the state to be your employees. Workers compensation is not health insurance. Workers compensation is designed specifically for injuries sustained on the job, whether on the workplace premises, or in auto accidents while on business for you. It also covers work related illnesses, medical, death, income and rehabilitation benefits.

Commercial Auto

Auto Insurance provides liability, property and medical coverage. Liability coverage pays for your LEGAL responsibility to others for bodily injury and/or property damage. Liability coverage also covers you in the event you are sued up to your policy limits. Property coverage pays for damage to your auto if you are at fault or for theft of YOUR car. Medical coverage pays for the cost of treating injuries to you and anyone in your auto.

Commercial Umbrella

A personal umbrella liability policy will exclude anything business related, therefore you need to discuss commercial umbrella policy with our agents.

Disability Coverage

What happens to you and your family if you can no longer work? Let an agent at The Adams Agency offer affordable suggestions.

Call us at (706) 647-2424, , or come by the office at 1325 Hwy 19 North, Thomaston, Ga. 30286. Our office hours are from 8:30 a.m. to 5:00 p.m. Monday through Friday. (We're closed for lunch from 1:00 to 2:00.)

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