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    Business Insurance

    Business is unpredictable. Buying business insurance shouldn't be.
    By most accounts, the goal of doing business is maximizing profits while minimizing costs. This means making strategic plans that account for expected costs and delineate actionable plans that shrewdly reinvest the profits. Keeping costs to an acceptable level entails finding affordable, comprehensive business insurance that can reduce the cost of unexpected losses, like natural disasters, lawsuits, employee injuries and more. 

    But how much business insurance is too much? How much is too little?
    State regulations will determine basic insurance requirements. Among the commonly required policies are worker’s compensation, unemployment and disability insurance. But these may not be enough. 
    Business insurance packages can include any of the following coverage options:
    • Business Owners Policies (BOP)
    • Workers’ Compensation
    • General Liability
    • Errors & Omissions
    • Commercial Auto
    • Commercial Property
    • Group Benefits
    • Professional Liability
    At Jones Group Insurance Services, we understand the importance of having affordable, comprehensive business coverage in place – no matter how big or small the business may be. We can identify the required state policies and suggest more comprehensive and affordable business insurance solutions.

    Commercial Vehicle Insurance

    If you are a contractor or subcontractor whose company uses one or a fleet of vehicles for your job, commercial auto insurance is a must for your Georgia business. It is important if your employees use company cars for both business and personal use or you are a contractor working in the following industries
    • Electrical
    • Heating & Air Conditioning
    • Landscaping
    • Plumbing
    • Roofing
    • Painting
    • Or other contracting trades
    Our agents will sit down with you and explain your contractor's auto insurance options. You will be asked about how your employees use their vehicles, which employees drive company cars and if some employees will be using their own cars for company work and travel. We understand that you may have questions about the type of coverage that may be right for you. Our friendly agents will walk you through your insurance shopping and search the country to find you the best rates. Contact us today or call 678-823-8784 to learn more about your options - or get a free commercial auto insurance quote right now!

    Group Benefit Insurance

    Whether you're looking for family, individual, self-employed or a group insurance plan, Jones Group Insurance Services has the group insurance plan for you. There are hundreds of Medicare supplement policies, high-risk health plans and health discount cards to choose from. Finally, you can get help from our licensed agents, who will provide the information you need in choosing the type of policy that is right for you and your employees, including PPO plans, HMOs, Health Savings Accounts, point-of-service plans and more. Offering benefits to your employees will attract a higher caliber of worker and make your company more successful and more profitable. When an applicant looks for employment, the two most important factors they consider are salary and benefits. Jones Group Insurance Services will help you retain better employees by setting you up with an affordable and attractive employee benefits package.
    Group benefits may include but are not limited to:
    • Health Insurance – Covers the costs of physician and surgeon fees, hospital rooms and prescription drugs
    • Retirement Plans - Retirement benefits are funds set aside to provide people with an income or pension when they end their careers
    • Disability - Coverage that can protect you and your loved ones in the event of an accident
    • Dental - There are two plans to choose from for dental coverage. Each has different costs, benefits and participating dentists
    • And many other voluntary products
    At Jones Group Insurance Services, our office and our affiliates are trained on tailoring plans around the needs of the group. Our agents, along with our affiliates, typically examine a multitude of variables, aspects that enable us to conduct a comprehensive analysis of the employee's needs. We then make recommendations for the plans that offer a great value to the group as a whole. Our goal is to provide you with a benefit package that is both affordable to your organization and offers the greatest impact to its members.

    General Liability Insurance

    If you have a personal umbrella liability policy, there are generally exclusions for business-related liability. Make sure you have sufficient auto liability coverage.
    Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
    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. Jones Group Insurance Services' liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.
    Jones Group Insurance Services offers a broad range of general liability protection.
    • Bodily injury, including the cost of care, the loss of services and the restitution for any death that results from injury
    • Property damage coverage for the physical damage to property of others or the loss of use of that property
    • Products – completed operations coverage provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or a service your company provided
    • Products liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
    • Contractual liability extends to any liability you may assume by entering into a variety of contracts

    Excess Liability Insurance

    There are many kinds of excess liability insurance policies that one can look for. Jones Group Insurance Services can offer a wide range of excess liability policies that suit both individuals and large corporate holdings. Insurance companies, in consultation with loss control and risk controlling professionals, draw up customized excess liability insurance plans and policies to suit individual and corporate needs. As such, insurance companies are even in the business of making specific risk assessments and proposing practical remedies to prevent and mitigate losses.
    The advantages are many. Excess liability insurance policyholders can look for specific benefits under their respective schemes. Almost all their policies offer coverage against injury and property damage caused by the policyholder. They also offer additional protection against claims arising from slander, false eviction, libel, false arrest and so on. What’s more, in some cases, the holder can receive additional funds to meet legal defense costs and so on. In some situations, one can avail the benefit even when a lawsuit is groundless or not covered by the underlying policy.
    Jones Group Insurance Services is here to protect you. Excess liability insurance, or umbrella liability insurance, is needed for all businesses to mitigate risk in the event of a catastrophic loss. An excess liability policy covers your business should a claim be filed against your company that exceeds the limits of your existing liability coverage. For example, if your general liability policy covers $1,000,000, and a $1,500,000 claim is brought to you, an excess liability policy could take effect.
    In addition to protection of general liability coverage, excess liability insurance may add to commercial auto and worker’s compensation policies.
    Many companies who operate in Georgia are required to carry a certain amount of coverage, but excess liability coverage IS important for ALL businesses. We live in a society where lawsuits are common and judgments can be huge. You’ve worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. For a free excess liability quote from Jones Group Insurance Services, you can call us today at 678-823-8784.

    Commercial Property Insurance

    While most business owner policies (BOPs) present coverage for property, this coverage is usually for the building of your firm. Beneath a BOP, the building of your business is protected from weather-related and causes of loss (i.e. burglary). What about the furniture, computers and tools in your building? Who will cover the cost of restoring an outdoor signpost? This is exactly where commercial property insurance comes in. A characteristic commercial property insurance policy will cover the property of your practice that a BOP will not.
    Jones Group Insurance Services will compile a commercial property insurance line to include insurance protection for:
    • Structure (building) of your corporation
    • Furnishings
    • Workplace tools
    • Missing supply
    • Landscape designs
    • Open-air signs
    • Damage to the property of other consumers
    • And much more …
    Is Commercial Property Insurance customizable?
    Commercial Property Insurance may be customized to your needs, enabling you to provide added insurance coverage for the things that really matter to your business and less insurance coverage to the things that don't. Don't think you need commercial property coverage? Consider this: if a fire erupts within your business and you lose your whole inventory, are you positive your BOP guarantees enough coverage to replace all of it? If an individual breaks into your enterprise and steals high priced machines, are you certain your BOP gives adequate insurance policy coverage to replace it in full?

    Workers’ Compensation Insurance

    Workers’ compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
    Worker’s Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of worker’s compensation insurance. Workers’ compensation insurance is not health insurance. It is designed specifically for injuries sustained on the job. In most states, if you have employees, you are required to carry worker’s compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
    Do I need worker’s compensation insurance?
    Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
    To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers’ compensation insurance. Workers’ compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses. Workers’ compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
    Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states, there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.
    Workers’ compensation insurance must be bought as a separate policy. Although in-home business and business owner’s policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries. For more information on workers’ compensation insurance, contact Jones Group Insurance Services at 678-823-8784.

    Fast-Food and Family Style Restaurants

    Are you the owner of one of the great local eateries or restaurants in Georgia? If you are, Jones Group Insurance Services will protect your restaurant from financial loss. Each restaurant is unique. Therefore, the insurance policy protecting your establishment should be unique, too.
    • Restaurant with no sales of alcoholic beverages
    • Restaurant with sale of alcoholic beverages
    • Takeout eateries with no table service
    • Bakery, bagel or donut shop – baking and frying
    • Pizza Shops
    • Refreshment stands
    • Sandwich shops
    What insurance coverage will I need for my restaurant?
    Certain exposures are easy to locate and others take time and consideration. How do you put a price on the probable financial loss due to an interruption of business? Is your food covered for spoilage? Do you have adequate protection in the event of a liquor liability claim?
    The most general choices that Jones Group Insurance Services offer for inexpensive restaurant insurance include:
    • Property Insurance – Protects your property in circumstances of fire or other events. It might not cover natural disasters; such as floods or earthquakes. If you have any type of mortgage on your business and/or equipment, then you should have a premises insurance policy.
    • General Liability Insurance – This would be the umbrella coverage that protects you in the event someone slips and falls within your restaurant or gets sick after consumption there (whether it was your liability or not). This is a must in today’s sue-happy world.
    • Liquor Liability Insurance – A good number of states expect that any restaurant holding a liquor permit have liquor liability as part of their insurance coverage. It helps shield you if a shopper has too much to drink and drives or furthermore hurts themselves or somebody else.
    • Business Vehicle Liability Insurance – If you possess a business automobile, this would be a helpful insurance to have. It might be covered in your general liability, but always confirm with our insurance agent first.
    • Workers’ Compensation Insurance – Protects you if a member of staff is harmed at work. Most states demand that all employers contain some type of workers’ comp.
    Through our unique packages, we offer cost/coverage combinations for your restaurant's premises and casualty insurance requirements. Our experienced staff understands the challenges of running a restaurant and the insurance coverage needed to insure your enterprise. For further information on obtaining coverage for a fast-food or family style restaurant, get in touch with Jones Group Insurance Services at 678-823-8784.

    Motor Trade Insurance

    Garage insurance, also known as “motor trade insurance,” is a type of liability insurance that covers garage owners and car dealerships from claims involving customers’ vehicles while on the company premises. This type of insurance covers a variety of businesses, including automobile dealers, repair garages, service stations, storage garages, parking lots, valet services and delivery and towing operations. Where there are automobiles, there will be accidents.
    Liability coverage protects these businesses against:
    • Garage Liability - This provides coverage for bodily injury, property damage resulting from operations involving the ownership, maintenance or use of a covered vehicle. This coverage does not cover accidents not involving a covered vehicle, which is typically defined as a vehicle held in inventory by the insured dealer.
    • Garage Operations - This provides coverage for bodily injury or property damage resulting from garage operations other than the ownership, maintenance or use of a covered vehicle.
    Jones Group Insurance Services can also help in solving the insurance and risk management needs of the gas station and convenience store industry, putting together a wide spectrum of coverage specific and unique to service station insurance for your Atlanta business. As an insurance provider, we can offer a combination of policies: pumps, car wash, convenience store, restaurant and automotive repair. Or maybe you are franchise or independent; whether you lease or own, with our expertise we can put together a customized portfolio of coverage that will fit perfectly to your exposure. All at industry best pricing, because we know how to bring down the cost and broaden coverage.
    We offer:
    • All programs are industry best in both pricing and coverage with A.M. Best “A” rated Insurance Carriers
    • Service station coverage and risk management options unique to your industry and operations
    • Free safety training and loss prevention courses designed for your specific exposures
    • Claims service that is immediate and fair and reflects the policy owner’s best interest. Our value statement is straightforward: we will better serve you because we specialize in and understand the service station industry.

    Hotel Insurance

    Your hotel will need business insurance tailored to its services in order to stay out of harm's way. Every aspect of your service exposes you to a certain amount of risk. Customers can have their property stolen from their room, equipment can fail, which can destroy your perishable inventory, possibly leading to food poisoning, making you legally liable. As with any business, the right insurance policy can make a difference in how well a company is run. Jones Group Insurance Services has developed close relationships with our insurance carriers, allowing us the ability to design the best insurance and risk management program for the hotel industry.
    We have the ability to write specifically designed packages designed to fit the needs of hotels, motels and bed and breakfast establishments. Our hotel insurance policies can be tailored to cover:
    • Property – Flood (cleanup expenses), earthquake, wind, crime, builder’s risk, business interruption, boiler and machinery
    • Casualty - General liability, business auto, excess liability, liquor liability and umbrella coverage
    • Workers’ Compensation - provides insurance coverage for medical expenses, a portion of the worker's salary, rehabilitation costs and death benefits; for hotel employees, in case of injury on the job
    • Employee Dishonesty Coverage - Insurance against an employee theft or crime and can help you recoup losses if a hotel employee steals anything from you or a patron, or if a disgruntled employee vandalizes or damages your hotel/motel or its contents. You can also protect your inventory with burglary and robbery coverage.
    Making sure that all safety codes are met and maintained can lead to lowering your premiums. As a hotel owner and operator, you strive to give customers an enjoyable stay. Today, Vantage Hospitality Group is the 10th largest hotel company worldwide and has grown to include a broad spectrum of hospitality-related ventures. And the original Vantage partners are still overseeing their respective divisions, offering members stability and cohesiveness that have served as a foundation for their brands' growth.
    Jones Group Insurance Services agrees that your biggest priority should be running your Atlanta area hotel or motel. We can help our clients focus on managing their business by giving them a cost-effective insurance policy with the correct amount of coverage tailored to meet the ever-evolving needs of the hospitality and leisure industry.

    Contractors Insurance

    As a contractor with your own equipment and tools of trade, you are essentially operating your own business, and it’s only sensible to protect your business assets from theft or damage. Naturally, if you have a vehicle you use for work, it would be wise to take out a commercial auto insurance policy. Insurance for contractors can be a confusing area. If you’re unsure as to whether you are considered a contractor or employee for workers’ compensation insurance, or you are uncertain as to the types of insurance coverage you need as a contractor, Jones Group Insurance Services has a variety of insurance options. Our aim is to make sure you spend only what you need to. Some exposures are easy to spot; however, others take time and attention. For example, how does one quantify the potential loss due to an accidental pollution spill, and how is that information properly related to the coverage provided by the insurance policy? Are general contractors required to have specialized certificates of insurance, and does your policy adequately provide the necessary coverage to satisfy these contractual demands? What are your bonding needs? Are you properly protected from a claim arising from rented equipment? These are just a few of the questions our insurance experts are trained to ask. Jones Group Insurance Services identifies exactly what your needs and exposures are.
    Contractors insurance may include, but is not restricted to:
    • General Liability Insurance
    • Workers’ Compensation Insurance
    • Bonds – License and Permit
    • Builders Risk
    • Heavy Equipment and Contractors Hand Tools
    • Commercial Auto Insurance
    • Life and Health Insurance
    Whenever you undertake a construction job, your work is difficult and surrounded by risky situations. Several factors can contribute to the hazards that exist around the worksite. Tough weather, dangerous operating equipment and irresponsible coworkers all contribute to the perils present on a site. Let Jones Group Insurance Services protect your business from problems that could endanger your future.

    Electricians Insurance

    No matter how much care you take with each job you work on, mistakes and accidents will sometimes happen. If there is a short in one of the electrical lines that causes a fire, you could be held responsible for hundreds or thousands of dollars’ worth of repairs on the job you performed. In Jones Group Insurance Services’ years of service to Georgia electrical contractors and electricians, we have crafted insurance programs to address a wide array of risk sizes, types and special coverage needs. In addition to coverage for large business, coverage is also available for both the self-employed and smaller business.
    Jones Group Insurance Services’ electrician insurance policies cover:
    • Physical Harm - to a person at your place of business or an injury caused by your employee at a client's site
    • Repairs - after your business has completed work for a customer
    • Compensatory Damages - Financial losses of the claimant, plus additional monetary losses resulting from a claim
    • General Damages - ("pain and suffering.” “mental anguish,” etc.)
    • Punitive Damages - Penalties against your business for committing a wrongful act
    At Jones Group Insurance Services, we know the needs of contracting professionals and can develop specific policies to provide the right coverage for electricians and electrical service installation companies. Don’t try to navigate the insurance maze by yourself! Electrical code is complex enough; you shouldn’t have to learn insurance regulations too. We’ll save you both time and money by shopping the country for the best policies.

    Plumbers Insurance

    In Jones Group Insurance Services’ years of service to plumbers and plumbing contractors, we have crafted insurance programs to address a wide array of risk sizes, types and special coverage needs. In addition to coverage for a large business, coverage is available for both the self-employed and smaller business.
    • A policy uniquely crafted to meet your company’s needs
    • Ability to negotiate with you to achieve insurance solutions effective for your business
    • Knowledgeable and professional team
    • The security of "A" rated insurance companies
    • Easy payment options
    • Free plumber’s insurance quotes
    Plumber's insurance is essential if you run your own business. As you are in the plumbing business, you will go into people's homes and do work for them. In the event that something should go wrong due to work by you or an employee in your business or someone should get hurt, then they would want to claim liability damages. Without plumber’s insurance you would have to find this money yourself. However, if you have a policy, then it would generally include public liability insurance. Liability insurance would also work in your favor by also providing you with coverage for those you trade with. For example, if you were to place an order of a substantial sum for materials and you never got them, you would probably be able to make a claim on the policy and get back your losses.
    For more information on plumber’s insurance, contact Jones Group Insurance Services today!

    HVAC Contractors Insurance

    Heating, ventilating, and air conditioning contractors (HVAC, for short) compose a large segment of the contractor market in the United States. As an HVAC Contractor, you are the main reason that our indoor climate is comfortable and, by consequence, we remain healthy and safe in our workplaces and homes. With the large role you play in maintaining our security, Jones Group Insurance Services would like to return the favor. We provide Georgia HVAC contractors with a variety of insurance options, specifically intended to meet the needs of your particular field. We provide comprehensive coverage plans for both residential and commercial contractors. So whether you live in Marietta or Atlanta, we can ensure your HVAC contractor insurance needs are covered. By choosing Jones Group Insurance Services, you will receive the coverage you deserve at rates you can afford. For more information on obtaining HVAC contractors insurance, contact us today!

    Accountants Insurance

    Insurance for accountants covers liability lawsuits arising from their professional activities. For example, an investor bases a buying decision on the balance sheet of a company's annual statement. If the figures later prove fallacious and not in accordance with Generally Accepted Accounting Principles (GAAP), the accountant could be found liable for his professional actions and would be covered by this policy.
    Highlights of our Errors and Omissions Insurance:
    • You do not need to be a Certified Public Accountant (CPA) to purchase this insurance.
    • Policy limits available to $5 million
    • Available to firms of all sizes, from solos to large accounting firms
    • Full prior acts coverage is available
    • When you apply you may select to have the deductible apply only to damages paid on your behalf or to both damages and claim expenses
    • Production of Documents Coverage up to policy limits
    • Privacy & Information Security Coverage
    • Employee Dishonesty Coverage
    • Disabled Partner Replacement Coverage
    Indeed, the range of options is so extensive and can be tailored so exactly to meet particular business needs that it can prove useful to seek the advice and guidance of a specialist insurance policy intermediary in order to identify a suitable accountants professional indemnity insurance coverage.

    Lawyers Insurance

    Jones Group Insurance Services' lawyer’s professional liability insurance is designed to provide the level of service of a retail agent, the expertise of a specialty house and the market access of a wholesaler. With over fifteen "A" rated carriers who specialize in lawyer’s professional liability insurance, we are able to shop the market to find your best option. As a full-service specialist (About Us), we simplify the insurance process for you, saving you time and money.
    We use a broad range of carriers to provide your firm with a variety of policy options. That allows us to find the firm’s best option regardless of size, areas of practice or claims. We are also prepared to assist the firm with all its insurance needs from professional liability to office coverages and all lines of personal insurance for the individual attorneys.
    Errors & omissions insurance, or “E&O,” covers you or your company when a client holds you responsible for a service that you provided (or failed to provide) that did not have the expected or promised results. In short, it is coverage that protects against mistakes. It provides protection for you in the event that a mistake on your part has caused a financial loss for your client, covering losses and legal expenses. This type of insurance is also used to defend the insured against slander, libel and breach of contract.
    E&O comes in many different categories. There is a special type just for lawyers that protects them against client claims for missed deadlines, errors in contract language, failure to file documents, conflicts of interest, case outcome, disputes over fees, failure to know and apply the law, and so on.
    Protect your practice with Jones Group Insurance Services Lawyers Insurance.

    Architects Insurance

    Whether you work as a solo practitioner or run a large architecture firm, you know that every project calls for a combination of art, expertise and careful planning. But in any complex project, there’s a risk of something going wrong, and even small miscalculations can result in big problems.
    • Failing to complete a project by the agreed-upon deadline
    • Designing an inherently unstable or unsafe structure or building
    • Negligent supervision of the structure or building’s construction
    • Careless or incomplete review of a building or its blueprints
    • Failing to deliver a finished product that meets the agreed-upon specifications
    The consequences of errors like these can vary widely. The architect’s client may suffer significant financial losses while waiting for the project to be completed or repairing a damaged structure. If the client is constructing a business location, he or she may suffer from a damaged reputation or other complications related to missed deadlines. A client who has constructed a home may be forced to spend a good deal of money on alternative lodgings.
    If you or your firm is blamed for an error or omission that results in damage, personal injury or loss of property, or hurts your client’s ability to do business, the right coverage is key. This page will provide you with a small overview of the most requested types of architect insurance coverage, key considerations for architects and the ability to receive a free, secure insurance quote for your business.
    • Architect professional liability insurance protects you from lawsuits related to errors or omissions in your work
    • Architect general liability insurance protects you from claims of bodily injury or property damage
    • Umbrella Coverage, which could provide up to $10 million of additional general liability protection
    A distinctive quality of our staff is a specialized focus on the architecture, engineering and design professions. Policyholders have access to industry resources, technical expertise and unwavering client service. As your insurance advocate, we aim to deliver the right coverage, at the right price, through value-added customer service.

    Carpet Cleaners Insurance

    After a long, hard day of running your carpet cleaning business, the last thing you needed was for your steam vacuum to break. You didn't expect that temporary employee to suck up your client's dog's chew toy, ruining your vacuum and destroying their new carpet. You also don't have the money to pay for costly vacuum repairs or the extra $1500 needed to purchase a new vacuum. You want to keep your business running, but you can't if you don't have the necessary equipment. What can you do now?
    Jones Group Insurance Services wants you to know that with the proper insurance coverage, you can be back in business in no time. We understand the unique needs of the carpet and upholstery cleaning industry. Our specialists will work with you to form a comprehensive coverage plan that addresses your concerns. We offer protection for you, your equipment and company vehicles.
    Jones Group Insurance Services knows that buying insurance can be complicated. Our friendly agents will walk you through the process, providing advice and answering any questions you may have. Don't let a broken vacuum bankrupt your business.

    Landscapers Insurance

    As an owner/operator of a landscape gardening business, you have special insurance needs. Contractors Advantage policy is designed for businesses like yours. It contains coverage and features for various contracting trades. And as an added benefit, it offers special optional coverage to address the specific needs of landscape gardeners. In addition to the coverage outlined here, you will also benefit from special features found in Contractors Advantage:
    • XCU - Coverage for Explosion, Collapse and Underground Hazards - Can include X, C or U depending on the type of classifications
    • Tools and Equipment - Can increase coverage up to $100,000 ($10,000 per item) on blanket basis or schedule some or all items
    • Peak Season Coverage - Increases your limit for business personal property automatically - a valuable feature if your inventory fluctuates seasonally
    Jones Group Insurance Services’ landscape insurance program is designed to help you get the best possible protection at the lowest price. Our program can handle your landscaping liability insurance and your landscaping worker’s compensation insurance, as well as your equipment coverage and your business auto insurance policy for your trucks and other vehicles.
    We understand landscaping and lawn service contractors and we speak your language. Whether your business is lawn care, irrigation or landscape gardening in either commercial or residential settings, we have tips for helping you get the most out of your audit process and we understand exactly which class codes can give you the best protection while saving you money on your landscaping liability insurance policy and your landscapers workers’ compensation insurance policy. And although we offer you expert consultants with years of experience, we don’t charge one dime for our time to help you through the complicated process of making sure you have the right protection. Try asking your accountant or your attorney for an in-depth review at no charge. Good luck. But the best part of all is that since we write so many landscape insurance and lawn service insurance accounts, we can handle your landscaper insurance quotes quickly. Don’t trust your business insurance needs to someone who doesn’t specialize in helping landscaping companies.

    Convenience Store Insurance

    Finding the right convenience store insurance provider can feel like a headache you'd rather avoid. After all, you've got a million other things to worry about, including inventory, finances, payroll and the million other details that go into running a business. Insurance providers may be way down on the "to do" list.
    However, this business isn't just a business: it's your livelihood. And if something unexpected happens – a robbery, a fire, a flood, an ice storm or even a pipe bursting – then everything you've worked for could be ruined. Insurance helps you make sure you're covered in that event, so that you can salvage your business and get back on your feet.
    Jones Group Insurance Services won't give you the same policy that we give to every other convenience store. Your store is unique, and you run different risks than other stores. The policy that works for a convenience store located in flood-prone areas won't be as effective for a store in an area where tornadoes are a bigger problem. Jones Group Insurance Services is an independent agency and isn't beholden to any corporation, so we can shop around and compare prices or even use multiple insurance companies to make sure that you get the best coverage at the best price. Don't trust your store to someone who doesn’t have the experience to handle it. Jones Group Insurance Services has a knowledgeable team that is dedicated to insuring C-Stores.

    Directors & Officers Insurance

    What is directors and officers insurance? 
    Directors and officers liability insurance provides financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company. Think of directors and officers insurance as a management errors and omissions policy. 

    Directors and officers liability insurance can usually include employment practices liability and sometimes fiduciary liability. The former involves harassment and discrimination suits and is where the majority of your exposure will be. 

    Directors and officers insurance is often confused with errors and omissions liability. The two are not synonymous; errors and omissions is concerned with performance failures and negligence with respect to your products and services, not the performance and duties of management. Generally, it is a good idea to carry both directors and officers liability insurance and errors and omissions liability insurance. 

    When do I need directors and officers insurance? 
    You need directors and officers liability insurance when you assemble a board of directors. They will frequently make the requirement. Investors, especially venture capitalists, will also usually require that you show evidence of directors & officers liability insurance as part of the conditions of funding your company. Also, having employees opens management up to employment practices lawsuits - which usually can be covered under D & O insurance.

    Why do I need directors and officers liability insurance (Personal Insurance)? 
    First, you need directors and officers insurance because claims from stockholders, employees and clients will be made against the company and against the directors of the company. Since a director can be held personally responsible for acts of the company, most directors and officers will demand to be protected rather than put their personal assets at stake. 
    Secondly, you need directors and officers insurance because investors and members of your board of directors will not be willing to risk their personal assets to serve as a corporate director or officer, no matter how heartfelt their belief in your company. 
    Lastly, employment practices suits constitute the single largest area of claim activity under D & O policies. Over 50 percent of D & O claims are employment practices related.

    Florists Insurance

    Jones Group Insurance Services' florist insurance policy is tailor-made for a florist. This means that you will not be paying for coverage you do not need or subsidizing shops with higher risks of damage or theft. Because florist shop insurance is a new, unique policy rather than a standard shop insurance, the rates you will be paying should be much lower.
    Florist Buildings Insurance Under this section, our policy covers the structure of your business premises including walls, gates and fences and the landlord’s fixtures and fittings, plus professional fees.
    Florist Contents Insurance
    Under this section, the florists insurance policy standard coverage includes:
    • Business contents and other stock you are responsible for
    • Seasonal stock increases (Valentine’s Day, Mother Day, Easter and Christmas) at no extra expense to you
    • Glass, blinds, signs
    • Public, employers and product liability
    • Business interruption and legal expenses
    • Goods in transit are insured for the sum that you select
    Florist Insurance Optional Coverage
    • All risk
    • Deterioration of stock
    • Computer breakdown
    • Loss of rent
    • Household contents
    • Personal possessions
    Like any retail sector, floristry has its own dynamics and demands. So whether your business concentrates solely on your core trade or you are evolving and diversifying to remain competitive in a busy flower and gift shop industry, Jones Group Insurance Services aims to provide flexible levels of coverage that are so important in your profession.

    Gas Station Insurance

    Jones Group Insurance Services helps in solving the insurance and risk management needs of the gas station and convenience store industry, putting together a wide range of coverage specific and unique to service station insurance. As an insurance provider, we can offer a combination of policies: pumps, car wash, convenience store, restaurant or automotive repair. Or maybe you are franchise or independent; whether you lease or own, with our expertise we can put together a customized portfolio of coverage that will fit your exposure. All at some of the best pricing, because we know how to bring down the cost and broaden coverage.
    We offer:
    • Auto or truck repair shops
    • Auto body and paint shops
    • Auto upholstery
    • Gas stations
    • Tire dealers
    • Smog testing
    • Quick lube and tune
    This coverage is a type of liability insurance that protects auto service center owners from claims involving customers’ vehicles while on the company premises. Where there are automobiles, there will be accidents. Liability coverage can protect businesses against:
    • Bodily injury
    • Garage operations
    • Garage liability – auto and property
    • Garage keepers
    • Business auto
    • Workers’ compensation
    Jones Group Insurance Services is committed to providing you access to affordable auto repair shop and garage insurance plans to get the most out of your insurance budget.
    • All programs are industry best in both pricing and coverage with A.M. Best “A” rated Insurance Carriers
    • Service station coverage and risk management options unique to your industry and operations
    • Free safety training and loss prevention courses designed for your specific exposures
    • Claims service that is immediate and fair and reflects the policy owner’s best interest
    Beauty salons can provide a variety of services to their clients. There are special risks that are associated with each. Jones Group Insurance Services knows and understands the needs and risks your business faces. We have a specialty salon insurance package that covers you for those special risks and offers multiple insurance types you will need to cover the services you provide. If a client sues over the service you provided, it may not be covered under a regular policy. Our package will include the typical insurances you probably already have, such as business property, general liability and professional liability coverage, but we can also offer workers’ compensation to the policy if it fits your needs.
    • Property insurance – As it states, can cover your building if it is damaged, but can also cover equipment failure or lost income.
    • General liability insurance – Liability coverage for property or bodily injury from a third party. It will also cover your customer if they trip and are injured on or in your property.
    • Professional liability insurance – This will protect you if claims arise from the actual services provided.
    • Workers’ compensation – Is used to cover your employees in case they are injured on the job.
    Jones Group Insurance Services can design insurance coverage for:
    • Hair salons
    • Barber shops
    • Day spas
    • Nail salons
    • Beauty supply stores
    • Tanning salons
    Like with any retail sector, salon insurance has its own dynamics and demands. So whether your business concentrates solely on your core trade or whether you are evolving and diversifying to remain competitive in a busy industry, Jones Group Insurance Services aims to provide flexible levels of coverage that are so important in your profession.

    Technology Insurance

    As a tech company, you face unique risks and require specific insurance policies to protect your business from financial loss. Technology professional liability insurance is a key element of risk management in the technology industry. Jones Group Insurance Services can customize an insurance policy to your exposure and risk.
    • General liability insurance for tech companies – This policy forms the basis for your technology insurance portfolio. Most of your clients will require a minimum limit for a standard general liability policy.
    • Professional liability and tech E & O insurance – This endorsement added on to your general liability insurance policy will broaden your coverages to provide protection for your professional services exposures.
    • Umbrella insurance for tech companies - This policy is normally used to cost-effectively increase the limits on your underlying coverages.
    What is technology insurance?
    Traditional insurance policies premiums were normally based upon tangible asset values. The tech professional’s assets, which are primarily intangible, can be in the areas of valuable data, software and intellectual property. Since cyber-risk and tech-risk is still an emerging industry, the insurance products that are available for this industry are also in an innovative and emerging status.
    These are some of the most common insurance terms that are used in providing insurance coverage for a tech insurance professional.
    • Cyber liability insurance
    • Cyber-property insurance
    • Media and intellectual property liability
    • Technology E & O
    • Intellectual property insurance

    Tow Truck Insurance

    You deserve to buy your policy from someone who understands your business. At Jones Group Insurance Services, we’re proud to partner with the top carriers to offer you premium-grade towing coverage. Together, we're bringing you insurance that works hard for you.
    If you earn income from towing, providing roadside repair to disabled vehicles, operating a repair facility or are hired to repossess vehicles, then your business is classified as a towing company. Even just owning a tow truck could make your business classification towing. If you are then we can help. Jones Group Insurance Services has superior companies providing affordable coverage to tow truck owners.
    At Jones Group Insurance Services, we believe that tow trucks are a grand sight to a person in trouble, but why leave yourself vulnerable to a lawsuit by not having the right coverage? We can design the right policy to fit your needs.
    What towing insurance products are available?
    We recommend the following coverage, but a more detailed consultation will be needed to determine what is right for your business.
    • Liability insurance — Insurance that pays for damages caused by your truck to other people and their property
    • Medical payments insurance — Insurance that pays for medical expenses arising from you and any passengers in your vehicle when an accident occurs
    • Physical damage coverage — Physical damage coverage pays for repairs to your vehicle if it's ever damaged in an accident, whether it's caused by a collision with another vehicle, it catches fire or is damaged by a falling tree branch
    • Uninsured motorist insurance — This coverage will insure you if the other driver either does not have coverage or does not have sufficient coverage to pay for all damages
    • Garage keeper’s legal liability insurance — Coverage that will protect you when/if your vehicle is damaged while parked at your garage
    • On-hook towing insurance — As the name implies, it protects you while you are towing

    Car Wash Insurance

    Jones Group Insurance Services understands the risks involved in running a car washing business. Heavy machinery, slippery floors and inattentive customers contribute to the hazards that may be present at a car wash.
    We are dedicated to serving the car wash industry and understand the specific policies needed to properly cover the business. Your car wash insurance policy will cover such things as:
    • Equipment damage from accidental breakage
    • Glass breakage
    • Blocked drains / sewers
    • Property, building, equipment, tools
    • General liability insurance
    • Commercial excess/umbrella liability insurance
    • Crime liability insurance
    • Workers’ compensation
    Let Jones Group Insurance Services use their knowledge of commercial business products and the car washing industry to help you purchase an insurance policy that fits your business' budget and needs.
    What towing insurance products are available? 
    We recommend the following coverage, but a more detailed consultation will be needed to determine what is right for your business.
    • Liability insurance — Insurance that pays for damages caused by your truck to other people and their property
    • Medical payments insurance — Insurance that pays for medical expenses arising from you and any passengers in your vehicle when an accident occurs
    • Physical damage coverage — Physical damage coverage pays for repairs to your vehicle if it's ever damaged in an accident, whether it's caused by a collision with another vehicle, it catches fire or is damaged by a falling tree branch
    • Uninsured motorist insurance — This coverage will insure you if the other driver either does not have coverage or does not have sufficient coverage to pay for all damages
    • Garage keeper’s legal liability insurance — Coverage that will protect you when/if your vehicle is damaged while parked at your garage
    • On-hook towing insurance — As the name implies, it protects you while you are towing