Commercial Insurance

All companies are not created equal. If you own a restaurant, your exposure is different from that of a book store. Hair salons, accountants, electricians, plumbers, and landscapers need unique coverage as well.

Insurance is an important part of any company’s business plan whether you are a corporation, small business owner, sole proprietor, or just drive a commercial vehicle for your trade.

Insurance can save your company if you experience a catastrophic loss and protect your cash-flow when an unexpected accident occurs. It protects you from commonly experienced losses including property damage, theft, liability, employee injury, and car accidents. With adequate insurance, companies can more easily recover from these types of losses. Without it, you risk going out of business.

Business Owner’s Policy (BOP) / Commercial General Liability (CGL) Insurance

Business Owner’s Policies (BOP) or Commercial General Liability (CGL) insurance is an extremely important part of your business insurance, stepping in to help when an incident causes your company to be held liable and/or sued. The suit can be the result of property damage caused by one of your employees or a claim for bodily injury to an employee or customer. CGL can also respond if you are sued for libel or slander as well as in the event your company causes any harm to a property you rent. It provides protection by paying the legal fees associated with defending your company against the suit, as well as settlements or court awards.

Workman’s Compensation Insurance

Not only is it wise to include Workman’s Compensation Insurance, the State of Georgia requires that every employer, individual, firm, association, or corporation, regularly employing three or more people, whether they are part-time or full-time, provide workers’ compensation insurance coverage. As an employer, if you fail to obtain required coverage and an accident occurs, your injured employee can file a lawsuit against you in civil court. Financial exposure to a suit in civil court can be extremely significant!

You’re not just protecting yourself, Workers’ Compensation Insurance, sometimes called Workman’s Comp, or Workman’s Compensation Insurance, covers your employees’ medical expenses and at least some portion of their lost wages if they are injured on the job.

Keep in mind, if you’re a contractor and you use any subcontractors, you may be liable for coverage for the employees of the subcontractor if the subcontractor has not obtained workers’ compensation insurance coverage of his own.

Sole Proprietor?

Professional liability insurance protects you, the business owner, from liability in the event that a mishap occurs. People getting hurt on the premises, problems with your products, and employee misconduct are examples of things liability insurance would cover. Errors and omissions are also covered. The key to effective liability coverage for a sole proprietor is to purchase enough coverage, while at the same time choosing a deductible and coverage amount that you can afford.

As a sole proprietorship, liability coverage is important because your personal assets can be seized in the event you lose a lawsuit. While corporations and Limited Liability Partnerships provide significant protection against personal asset loss in the event of a lost suit, as a sole proprietor, you have no such protection. If a customer slips and falls inside your store and successfully sues you because the floor was wet and there was no caution sign displayed, you will be held liable. Protect yourself!

Commercial Automobile Insurance

If you’re in business as a landscaper, plumber, electrician, or contractor, you’ll need Commercial Automobile Insurance to cover the vehicle you use to drive to jobsites or carry equipment for your trade. A commercial automobile policy is available for all types of businesses though. This can mean a small business or a large corporation. Creative Insurance Solutions can even provide a policy for your “fleet” of business vehicles.

While you’ve hired people you trust to drive safely and represent your company well, accidents do happen. You’ll want the best and most affordable policy to cover your property damage and bodily injury liability exposure. You’d sure like to have your vehicle fixed after an accident so you can get back on the road to making money too!

We’re here to make sure you’re protected, but it doesn’t have to cost you a lot of money. There are lots of ways to save on your Commercial Auto Policy costs by keeping your vehicles free of claims, choosing higher deductibles, as well as by not using drivers who have poor driving records. Many vehicles have safety devices such as alarms, airbags, and anti-lock brakes that can reduce the cost of the policy too.


  • Address:  2047 Grayson Hwy. Grayson GA 30017 
  • Phone:  770-963-0066
  • Fax:  770-963-0086
  • Email:

  • “CIS saved me 46% on my car insurance. I really appreciate the personal service from John and Melanie!”

    Steve P.

  • ” If you want to see what real customer service is all about go check out Creative Insurance Solutions. It is refreshing to work with an insurance agency that is actually looking out for my best interest instead of just trying to sell me something.”

    Tim O.

  • “I highly recommend CIS for ANY of your insurance needs!! The owners of the company are some of the finest, most honest and fair people you will ever meet! Highly recommend!!”

    Todd C.