Marietta, GA Insurance Agency: Business, Auto, Home & Commercial Insurance
Whether you're protecting a growing business, your family home, your vehicles, or an investment property, having the right insurance coverage can make a major difference when the unexpected happens.
At Jones Group Insurance Services, we help individuals, families, property owners, and businesses throughout Marietta, Cobb County, and surrounding Georgia communities explore insurance options designed around their needs.
As an independent insurance agency, we can work with multiple insurance carriers and markets rather than being limited to one insurance company.
From Business Insurance and Commercial Auto to Homeowners, Auto, Landlord, Umbrella, and Life Insurance, our goal is to help you understand your options and make informed decisions about your coverage.
Business Insurance in Marietta, GA
Marietta is home to contractors, restaurants, professional offices, retailers, healthcare businesses, transportation companies, real estate investors, and many other types of businesses.
Those businesses don't all need the same insurance.
A contractor may need General Liability, Commercial Auto, Workers' Compensation, and coverage for tools and equipment.
A professional services company may need General Liability and Professional Liability.
A business that owns multiple vehicles may need a Commercial Auto policy with appropriate liability and physical damage coverage.
Jones Group Insurance Services can help Marietta businesses explore coverage including:
General Liability Insurance
Commercial Auto Insurance
Workers' Compensation Insurance
Business Owners Policies (BOP)
Commercial Property Insurance
Professional Liability / E&O
Commercial Umbrella Insurance
Contractors Insurance
Commercial Truck Insurance
Garage Liability Insurance
Tools & Equipment Coverage
Hired & Non-Owned Auto Insurance
The first step is understanding what your business actually does so that your insurance can be matched appropriately to your operations.
Commercial Auto Insurance in Marietta, GA
If your company owns or operates vehicles for business purposes, personal auto insurance may not provide the protection your business needs.
A Commercial Auto Insurance policy can provide liability protection for covered business vehicles and, depending on the coverage selected, protection for damage to the vehicles themselves.
For businesses traveling throughout Marietta, Cobb County, I-75, I-285, Cobb Parkway, and the greater Metro Atlanta area, vehicle exposure can be a significant part of everyday operations.
Depending on your policy, available Commercial Auto coverages may include:
Auto Liability • Comprehensive • Collision • Uninsured/Underinsured Motorist • Medical Payments • Rental Reimbursement • Towing • Hired & Non-Owned Auto
Your vehicle type, business operations, drivers, travel radius, vehicle use, and claims history can all affect your insurance options and premium.
Employees Driving Their Personal Vehicles for Business?
A business doesn't necessarily have to own a vehicle to have an automobile liability exposure.
Suppose an employee uses a personal vehicle to:
- Visit a client
- Travel to a job site
- Pick up supplies
- Make a delivery
- Run an errand for the company
Depending on the circumstances, your business could have an exposure arising from that vehicle use.
Hired and Non-Owned Auto Liability (HNOA) can provide liability protection for certain exposures involving vehicles your business hires, rents, borrows, or doesn't own, subject to policy terms and exclusions.
If your employees regularly drive their own vehicles for business purposes, this coverage deserves a conversation.
General Liability Insurance in Marietta
General Liability is one of the most commonly requested types of business insurance.
It can help protect a business against certain claims involving:
Third-party bodily injury
Third-party property damage
Personal and advertising injury
Certain legal defense expenses
For example, a customer could be injured at your business location, or your operations could accidentally cause damage to someone else's property.
Many landlords, property managers, general contractors, and vendors also require General Liability insurance before allowing a company to lease space or perform work.
Need a Certificate of Insurance?
Marietta businesses frequently need to provide a Certificate of Insurance, commonly called a COI.
However, a certificate alone may not satisfy every contractual requirement.
A contract may also require endorsements such as:
Additional Insured
Primary & Noncontributory
Waiver of Subrogation
Additional Insured – Completed Operations
These terms have different meanings.
Jones Group Insurance Services can help you review the insurance requirements you've been given and determine what needs to be requested from the insurance carrier.
Contractors Insurance in Marietta & Cobb County
Contractors can face risks at their own premises, on the road, and at customer job sites.
Depending on the type of work performed, a contractor's insurance program may include:
General Liability + Commercial Auto + Workers' Compensation + Tools & Equipment + Commercial Umbrella
Contractors should also make sure their business is accurately classified.
A landscaping company, electrician, painter, HVAC contractor, roofer, remodeling contractor, and general contractor can have very different exposures.
If you use subcontractors, there may also be additional insurance requirements involving their coverage and your own.
Accurately describing your operations to your insurance agent and carrier is an important part of building the right insurance program.
Workers' Compensation Insurance for Georgia Businesses
Georgia employers with three or more employees, including regular part-time employees, are generally required to maintain Workers' Compensation insurance, subject to applicable rules and exceptions.
Workers' Compensation can provide benefits for covered employees who experience work-related injuries or illnesses.
Coverage may include certain medical expenses, wage replacement, rehabilitation, and other statutory benefits depending on the circumstances.
Even businesses with fewer employees may decide to carry Workers' Compensation coverage, and some contracts may require proof of coverage regardless of employee count.
Business Owners Policy (BOP)
Some small and midsize Marietta businesses may qualify for a Business Owners Policy, commonly known as a BOP.
A BOP generally combines certain business property and liability coverages into one policy.
Depending on the business and carrier, additional coverage options may be available for business income, equipment, cyber exposures, and other risks.
Not every business qualifies for a BOP, which is why your industry and operations should be reviewed before determining the best policy structure.
Professional Liability Insurance
General Liability and Professional Liability are not the same thing.
If your business provides professional services, advice, consulting, designs, recommendations, or specialized expertise, you may also need Professional Liability Insurance, sometimes referred to as Errors & Omissions (E&O).
Professional Liability can address certain claims alleging professional mistakes, errors, negligence, or failure to provide professional services as expected.
Some businesses need both General Liability and Professional Liability because each addresses different exposures.
Homeowners Insurance in Marietta, GA
Your home is more than a building. For many Georgia families, it's also one of their largest financial investments.
Homeowners insurance can provide protection for your dwelling, personal belongings, additional living expenses, and personal liability for certain covered losses.
But not every homeowners policy provides the same coverage.
When comparing policies, pay attention to:
Dwelling Replacement Cost
Deductibles
Personal Property Coverage
Personal Liability Limits
Loss of Use
Water Backup Coverage
Roof Coverage
Endorsements and Exclusions
Two insurance quotes can look similar in price while providing very different coverage.
That's why we encourage our clients to compare coverage and premium, not premium alone.
Auto Insurance in Marietta, GA
Georgia requires drivers to maintain automobile liability insurance, but the minimum amount required by law may not provide the level of financial protection every household wants or needs.
Depending on your selections, an auto insurance policy may include:
Bodily Injury Liability • Property Damage Liability • Collision • Comprehensive • Uninsured/Underinsured Motorist • Medical Payments • Rental Reimbursement • Roadside Assistance
Your vehicles, household drivers, driving history, assets, and financial circumstances should all be considered when selecting coverage.
Landlord Insurance for Marietta Rental Properties
If you own a rental property in Marietta or elsewhere in Georgia, make sure the insurance policy reflects how the property is actually being used.
A traditional homeowners policy isn't necessarily appropriate for a tenant-occupied investment property.
Depending on the policy, Landlord Insurance may provide coverage for the dwelling, liability, certain personal property owned by the landlord, and loss of rental income following certain covered losses.
Coverage needs can also change if a property becomes:
Vacant • Under renovation • Short-term rental • Long-term rental • Owner occupied
Notify your insurance agent whenever the occupancy or use of a property changes.
Umbrella Insurance for Additional Liability Protection
As your assets grow, you may want to consider whether your underlying home and auto liability limits provide enough protection.
A Personal Umbrella policy can provide an additional layer of liability protection above qualifying underlying policies, subject to policy requirements and exclusions.
Umbrella insurance may be worth discussing if you own a home, multiple vehicles, rental properties, recreational vehicles, or significant financial assets.
Business owners may need a separate Commercial Umbrella to provide additional protection above eligible commercial liability policies.
Life Insurance for Marietta Families & Business Owners
Insurance isn't only about protecting physical property.
Life Insurance can help provide financial resources for the people who depend on you if you pass away.
Life insurance may be used to help address:
Income Replacement • Mortgage Obligations • Family Expenses • Education Expenses • Final Expenses • Business Planning
Term and permanent life insurance serve different purposes, and the appropriate coverage depends on your individual needs, financial goals, age, health, and budget.
Why Choose Jones Group Insurance Services?
Jones Group Insurance Services is an independent Georgia insurance agency serving individuals, families, property owners, and businesses.
Because we're independent, we're able to explore insurance options from multiple carriers and markets rather than representing only one insurance company.
But finding competitive pricing is only one part of the process.
We believe it's equally important to understand your:
Coverage Limits • Deductibles • Endorsements • Exclusions • Optional Coverages
Our goal is to help you understand what you're purchasing so you can make an informed insurance decision.
Already Have Insurance? Let Us Review Your Coverage.
If your insurance premiums have increased or you're simply wondering whether you have the right coverage, you don't necessarily have to start from scratch.
Send us a copy of your current Declarations Page.
We can review your existing coverage and use it as a starting point when exploring available options.
An insurance review can be especially helpful if:
Your premium increased significantly
You purchased a new home or vehicle
You added a household driver
You purchased a rental property
You started or expanded a business
You hired employees
You added business vehicles
Your business operations changed
A landlord or vendor gave you new insurance requirements
Sometimes a review uncovers an opportunity to save money. Other times, it identifies a coverage issue that should be addressed.
Looking for an Insurance Agency in Marietta, GA?
Whether you're protecting your business, home, automobiles, rental properties, employees, or family, Jones Group Insurance Services is here to help.
We proudly serve clients throughout Marietta, East Cobb, Kennesaw, Acworth, Smyrna, Woodstock, Canton, Dallas, Powder Springs, Roswell, Alpharetta, and communities throughout Georgia.
Request Your Insurance Quote Today
Jones Group Insurance Services
Independent Insurance Agency
Serving Marietta, Cobb County & Georgia
Business Insurance | Commercial Auto | General Liability | Workers' Compensation | Home | Auto | Landlord | Umbrella | Life