Business Insurance by Industry

Restaurants — Jones Group Insurance Services in Marietta, GA


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 678-933-7873.

HVAC — Jones Group Insurance Services in Marietta, GA


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 — Jones Group Insurance Services in Marietta, GA


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.
  • 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 — Jones Group Insurance Services in Marietta, GA


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 — Jones Group Insurance Services in Marietta, GA


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 — Jones Group Insurance Services in Marietta, GA

Carpet Cleaners

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 — Jones Group Insurance Services in Marietta, GA


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 — Jones Group Insurance Services in Marietta, GA

Convenience Store

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 — Jones Group Insurance Services in Marietta, GA

Directors & Officers

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.

Florist — Jones Group Insurance Services in Marietta, GA


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 — Jones Group Insurance Services in Marietta, GA

Gas Station

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

Salon — Jones Group Insurance Services in Marietta, GA


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 — Jones Group Insurance Services in Marietta, GA


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 — Jones Group Insurance Services in Marietta, GA

Tow Truck

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