Georgia Commercial Insurance: The Basics

Are you a business owner in the Peach State looking for the right insurance coverage? Town & Country Insurance in Buford, GA is here to help you navigate the complex world of commercial insurance. With tailored policies designed to safeguard your business, the agency’s experts are ready to guide you in finding the perfect coverage for your unique needs.

Commercial insurance is crucial for protecting your business assets, employees, and financial well-being. We offer comprehensive insurance solutions to businesses of all sizes and types.

Here are the basics of Georgia commercial insurance to help you make informed decisions:

General Liability Insurance:

This essential coverage protects your business from financial losses resulting from third-party bodily injury, property damage, or personal and advertising injury claims. It is a foundational policy for businesses of all sizes.

Property Insurance:

Protect your physical assets, such as buildings, equipment, and inventory, from damage caused by fire, theft, and other covered perils. This policy is a must-have for businesses with substantial investments in physical assets.

Workers’ Compensation Insurance:

In Georgia, businesses with three or more employees are required to carry workers’ compensation insurance. This policy covers medical expenses and lost wages for employees injured on the job, while also providing employers with protection against potential lawsuits.

Commercial Auto Insurance:

If your business owns, leases, or uses vehicles for work-related purposes, commercial auto insurance is necessary. This coverage protects against liability and physical damage resulting from accidents involving your business vehicles.

Business Owners Policy (BOP):

A BOP combines general liability, property insurance, and business interruption coverage into one convenient package. It is an excellent option for small to medium-sized businesses looking for comprehensive protection.

We Are Here To Help!

As a business owner, understanding your commercial insurance needs is crucial for long-term success. Contact Town & Country Insurance to discuss your specific requirements and find the best coverage for your enterprise in Buford, GA. For more information, reach out to our knowledgeable team today.

Three misconceptions about recreational insurance

If you own a recreational vehicle, it’s definitely a good idea to purchase an insurance policy that will cover the liabilities and expenses you face. Recreational vehicle owners in Buford, GA can purchase their recreational insurance from Town & Country Insurance.

The following are three misconceptions about recreational insurance:

Recreational insurance isn’t really necessary for those who don’t use their RV very much.

It doesn’t matter how infrequently you use your recreational vehicle. You still need to make sure that you’re carrying recreational insurance whenever you’re out on public roads. 

Recreational insurance is almost definitely going to be a necessity for you regardless of how infrequently you use your RV. 

Those who have home insurance don’t need recreational insurance.

Unfortunately, you cannot rely on your home insurance policy to cover all your recreational insurance needs.

Home insurance may offer you limited coverage when your recreational vehicle is being stored on your property. However, home insurance won’t cover your recreational vehicle when you’re out on the roads. 

Recreational insurance policies are all very similar. 

It’s important to carefully consider recreational insurance policy offerings. Not all recreational insurance policies are the same. There are a lot of differences in terms of what types of coverage and how much coverage individual recreational insurance policies offer. 

Give Us A Call

At Town & Country Insurance, we’re here to help RV owners in Buford, GA to get the insurance coverage that they need. If you are on the market for recreational insurance and would like to get a quote, we’re here to come to your assistance. Contact us today so that you can learn more about our recreational vehicle insurance offerings. 

Common Life Insurance Terms

The laws in Buford, GA do not compel a person to purchase life insurance, but this tool is one way to help ensure your survivors are less impacted financially by your passing. Your knowledgeable Town & Country Insurance agent can help you further in discussing your options. It’s important to understand some of the more common life insurance terms when shopping for a policy that is right for you.

Common Life Insurance Terms


This refers to those whom you name on your policy to receive a payment upon your death. This can be any person you choose and does not have to be a blood relative. It can also be a charity, a trust you create, or an estate. 

Death Benefit

The death benefit is the agreed-upon amount of money that a beneficiary will receive when you pass away. Your account must be in good standing with premiums paid up to date. 


This is an option to take the death benefit in the form of payment that is allocated in installments that occur over time and provides a predictable source of income. 


A rating is an additional amount that is added to an otherwise standard policy because you are determined to be of greater risk than average. This can be due to health or because of a particularly hazardous occupation. 

Policy Loan

This is a provision of whole and universal life policies wherein the insured can borrow against the accumulated premiums. This amount will be subtracted from the death benefit if there is an outstanding balance when the borrower dies. 

Town & Country Insurance is Here to Assist You

We specialize in providing individualized insurance products and services to meet your needs, and we invite you to reach out online or by phone to schedule an appointment. We serve clients in the Buford, GA area. 

Should I get a commercial insurance plan in Georgia?

People that live in the Buford, GA area and dream of starting their own business will find that the area has a lot to offer. Those that are in this area of the state and would like to start a business will also notice there are various business risks that need to be mitigated. One great way that this can be done is by getting a commercial insurance policy.

You should get this coverage for a few reasons:

Protect Your Business

The first reason that you should get a commercial coverage policy in this area of Georgia is that it can help to protect your business. A business owner is going to take on some risks on a regular basis. This can include risks associated with having core assets stolen or damaged and liability risks. A proper commercial plan will give you the coverage needed to mitigate these risks. 

Ensures Compliance with Requirements

You also need to get a commercial insurance plan to ensure that you are in full compliance with your requirements. Anyone that would like to run their own business will be required to get coverage to comply with any requirements set in loan agreements, commercial leases, or other contracts. If you do not maintain this coverage, you could face various penalties in the future.

Contact Us Today

As you are looking to insure your property in the Buford, GA area, it would be wise to call Town & Country Insurance. There are a lot of great reasons to speak with Town & Country Insurance as the company understands the importance of this insurance. The team can also provide you with the ongoing support you need to build an appropriate plan. This can help to ensure that you remain properly protected and in compliance with all insurance requirements. 

4 myths about life insurance

While many financial experts advocate for parents to have life insurance, very few people want to talk about death. But that’s not the only reason why people are still reluctant to buy life insurance in Buford, GA.

There are many misconceptions about the policy that leave buyers more confused than before. Life insurance is also complex to understand, and you may end up purchasing or making the wrong choices if you’re not adequately informed. Here are four common myths about life insurance.

1. It’s expensive

The main reason why many people don’t buy life insurance is that they believe it’s too expensive. Young people think they cannot afford it, given that they may have to pay for very many months. Life insurance is cheapest when young and expensive when old, and that’s why Town & Country Insurance recommends buying life insurance when you’re younger because your rates won’t change.

2. If you’re young and healthy, you don’t need insurance

Unless you plan not to have a family and have enough money for your burial, life insurance can be used for various financial reasons, not just a family. Your life insurance needs keep changing as you grow older. And the older you get, the more expensive it gets.

3. You can buy insurance whenever you want

It’s not always the case. If you have been diagnosed with a terminal illness and have a few weeks to live, it may be too late to buy life insurance. Similarly, some insurance companies don’t sell insurance to seniors above the age of 90.

4. If you’re single, you don’t need life insurance

People buy life insurance for different reasons. If you plan to be single the rest of your life, you have parents who could use your financial support, your business that you started and want it to grow years after you pass away, or even a charity organization you want to help.

To get more helpful information about life insurance in Buford, GA, feel free to contact Town & Country Insurance.

Do I need to get commercial insurance in Georgia?

If you are in the Buford, GA area you may find that it can be a great place to start and grow a company. If you would like to start a company in this area of the state, a great way to protect it would be by getting a commercial insurance plan. A business owner here will need to get a commercial insurance plan for a few different reasons. 

Insurance Protects Solvency of Business

One important reason to get a commercial insurance plan when you are in Georgia is that it could protect the future solvency of your business. When you have a commercial insurance plan, it will protect all of the assets of your business and can offset commercial liability risk. This will ultimately prove to be a very important form of protection that could keep you solvent in some difficult situations. 

Insurance is a Requirement for Many

You will also need to get a commercial insurance plan because it is a requirement for a lot of business owners. Depending on your situation, you may need to raise money through a loan or through an equity investment. If this is the case, the bank or investor will want to know that their investment is protected. A great way that they can do this is by requiring you to maintain commercial insurance coverage. 

If you are a business owner in the Buford, GA area and need to evaluate your insurance options, it would be a good idea to call Town & Country Insurance. The insurance professionals that are with Town & Country Insurance can offer you great guidance and support. They are able to help you evaluate all of your options, which can help to ensure you are able to build a quality policy that meets your needs. 

Why Recreational Insurance Is An Asset To Georgia Residents

Town & Country Insurance offers multiple types of coverage to the Buford, GA community. We strive to make sure that our clients find policies to protect them while they navigate life’s challenges. We look forward to helping you find the coverage that you need.

Why Recreational Insurance Is An Asset

During the summer, many Buford, GA residents enjoy operating different types of recreational vehicles. Whether you are traveling around in an RV, ATV, or another type of off-road vehicle, recreational insurance will cover you. The policy covers any damage to your vehicle if you are involved in a collision. You’re also protected if your recreational vehicle is stolen or vandalized. Liability insurance is important, as there are a lot of risks involved as you operate these vehicles. Liability coverage protects you if your vehicle injures someone or causes damage to someone’s property. You’re also covered if one of your passengers suffers an injury.

The policy also provides coverage to any accessories that you may add to your recreational vehicles such as campers, trailers, and fifth wheels. You will be protected if these items are stolen or damaged. If you have any luxury items or custom parts on your recreational vehicle, you can amend your policy to cover these items if they are damaged.

You can add extra coverage to assist you if you need towing service or another type of emergency assistance. Also, consider the importance of storage coverage. You want to store your recreational vehicle somewhere safe and secure. You can add storage coverage so that your vehicle will be covered if it is damaged due to a fire or natural disaster while in storage.

Town & Country Insurance Will Help You

For more information on recreational insurance, visit our website today!

What kind of life insurance is right for me?

There are many important forms of insurance coverage that someone in the Buford, GA area needs to have. One important form of coverage to get is life insurance, which provides financial protection to those that depend on you and your income. When you are looking for this insurance, there are many different options available. The two most common options are whole and term life, which have various benefits that should be considered when trying to figure which option is ideal for you.

Whole Life Coverage

One option to consider getting is whole life insurance. When you get a whole life policy, the coverage will remain in place for as long as you want it. A key advantage of this type of coverage is that some of your payments will go into an account that can continue to grow with interest. In the future, you will have the opportunity to liquidate this account. 

Term Life Coverage

Another option that you will have is to get a term life policy. If you do get term life, it will offer you coverage for a specific period of time. These policies are ideal for those that would like the most amount of coverage for the lowest premium payment. While there is not an investment advantage with term life, the lower payments can help you get the most coverage possible.

It is important that everyone in the Buford, GA area continue to assess their life insurance needs. If you are looking for a life insurance policy here, calling Town & Country Insurance would be a good option. The insurance team at Town & Country Insurance can help you understand your insurance options and pick a policy that will give you appropriate coverage and peace of mind. 

What does recreational insurance cover?

Recreational insurance is the glue that holds all things together when you are enjoying an off-road trip with your family in Buford, GA. This type of indemnity plan pays for damages to RVs as well as ATVs and other off-road vehicles. The amount of recreational insurance you need is a discussion you should have with a professional at Town & Country Insurance. Read on to learn about the benefits of purchasing this type of insurance plan. 

Who needs recreational insurance?

Contrary to some beliefs, recreational insurance is not just for those who own motorhomes. A good recreational indemnity policy is also useful for ATV lovers who enjoy using their vehicles for tricks. You need a good policy to pay for repairs or total loss in addition to covering your medical bills should one of your stunts go awry. 

How much recreational insurance should you buy?

There is no set amount of recreational insurance you should buy. Your premiums will largely depend on your lifestyle preferences and budget. 

Those who enjoy extreme sports may consider higher premiums for maximum protection. Meanwhile, those who occasionally enjoy an off-road trip may purchase a plan with lower premiums. 

Your budget is also a determining factor in the debate over how much recreational insurance to buy. Those with thousands to spare may purchase a plan with higher premiums even if they only travel once per year. On the other hand, individuals with limited budgets may choose a more economical plan that provides just enough coverage. 

Whatever you do, insure!

There is little worse than facing the reality of no insurance after you have damaged your ATV or RV. The only way to prevent such a tragedy from being your reality in Buford, GA is to purchase an indemnity plan before you take off-road trips with the family. 

The agents at Town & Country Insurance can help you create the recreational insurance plan that fits your needs. Call them today for a quote.

The Basics of Commercial Insurance

When you are starting your business, you are so excited about getting things together that purchasing commercial insurance may be the last thing you think about. However, having a commercial insurance policy should be one of the things to have on your to-do list. You worked so hard in starting your company, so don’t let the unthinkable, like natural disasters or lawsuits, destroy what you’ve worked so hard for. 

Having said that, you should know that there are many types of commercial insurance coverage available. Nevertheless, the following are the basics of commercial insurance: 

1. Liability Insurance

Also referred to as errors and omissions (E&O) insurance, this insurance protects against negligence claims from harm resulting from performance failure or mistakes. 

2. Property Insurance

This insurance covers property that you lease or own in case of theft, storm, or fire. Earthquakes and floods, however, are usually not covered. 

3. Home-based Insurance

This type of insurance is unique and does not operate like commercial property insurance. So, hiring a reliable insurance agent can assist you if you have a home-based business. 

4. Worker Compensation Insurance

This insurance coverage should be added when you hire your first employee. With this coverage, your employees will have a disability, medical, and death benefits if the employees have work-related injuries or died as a result of work. 

5. Vehicle Insurance

It is important to ensure your company vehicles are covered as well. 

6. Property Liability Insurance

If you are selling products to the public, it is vital to have product liability insurance. There are tons of stories throughout the history of various companies getting sued due to damage claims from customers using your product. In many of these cases, companies lost the lawsuit.  

7. Business Interruption Insurance

When it comes to pandemics or catastrophes, company operations may stop. And as a result, they won’t be able to gain profit, pay employees, and pay for bills. Thus, this insurance coverage is very important. 


When it comes to commercial insurance, these commercial insurance coverages are the foundation. However, in some cases, more coverage may be needed.

For more information about commercial insurance, contact Town & Country Insurance. Located in Buford, GA, Town & Country Insurance has been serving Buford GA and surrounding areas since January 2010. They are also partnered with multiple insurance carriers. Contact them today!