Commercial General Liability Insurance in Lavonia and Toccoa, GA

Keeping Businesses in Lavonia and throughout Northern Georgia protected against Risk

 

Clients who sustain injuries while on the premises of businesses, damages to clients’ properties as a result of employee negligence, and false advertising are all risks that you face as a business owner.  These and other risks can translate into lawsuits and also into significant costs to you if you’re unprotected.  For this reason and others, it’s very important that you have protection, which insurance provides.  At Franklin Insurance Agency, Inc. we have complete commercial general liability insurance (CGL) options, which we customize for individual clients.

 

We’ve provided commercial general liability insurance (CGL) to commercial enterprises in Lavonia and in communities throughout Northern Georgia for more than 40 years, and also we represent many AM Best, A-rated carriers.  We can insure almost any business, and also we have extensive resources.  For these reasons, we’ll provide to you the best possible commercial general liability insurance.  Whether you’re protecting yourself against property damages and standard liabilities or you’re protecting yourself against a vast array of less-than-common liabilities, we’ll help you.

Commercial General Liability Insurance Coverage Details for Businesses in Georgia

Commercial general liability insurance (CGL) protects businesses from financial losses in the events that the businesses are liable for property damages or personal and advertising injuries that are caused within businesses’ service areas.  It often covers the costs of legal defenses and pays damages if policyholders are found liable, and also it protects against specific risks like liquor liability, pollution liability, and directors & officers liability.

 

CGL can be purchased as standalone policies; as parts of business owners policies (BOPs); and as parts of commercial package policies (CPPs).  The manner in which you purchase your commercial general liability insurance solution will depend on your needs, which include limits.  We insure for limits of $1 million in most cases, but we insure for a great deal more, and also we insure using a vast array of coverages.  From medical expenses and attorney fees to settlements and requirements, the coverages that we offer are many.

 

The coverages from which you can choose include but are not limited to:

  • Premises Liability
  • Products and Completed Operations
  • Premises Medical
  • Fire Legal Liability
  • Casualty Coverage

We also offer garagekeepers liability and employment practices liability.  If you run an auto service business, having garagekeepers liability coverage protects your clients’ vehicles from fire, vandalism, theft, or other damages.  Regardless of the business that you run, employment practices liability will protect your business if an employee’s legal rights have been violated.

Additional Commercial Liability Insurance Options

Foreign, liquor, and concession liability, all help keep your business safe; they also help you plan for the future.

  • Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages and lawsuits.
  • Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor - from liquor establishments to office parties/special events.
  • Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.

Experienced, client-focused Agents with special Knowledge of commercial general Liability Insurance

We thoroughly assess clients' needs through one-on-one consultations, risk analyses, and on-site inspections, and once we know and understand the clients' needs, we identify the right coverages.  At the points that the right coverages are identified, we create the best possible solutions. 

 

In order to ensure that there are never gaps in coverage and that clients' rates are always competitive, we regularly review policies and plans that we write. 

 

Contact us or call us today.  To start on a policy, request a quote.

Commercial General Liability Insurance and Business Insurance Information:

At Franklin Insurance Agency, Inc. we’re proud to provide commercial general liability insurance in Lavonia, Toccoa, Elberton, Hartwell, Jefferson, and Cornelia, GA.  We also serve other areas in the state.

Our Locations

Lavonia Office

12584 Augusta Road
Lavonia, GA 30553
Main office: 706-356-8884
Toll free: 888-898-4950

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Clarkesville Office

716 East Louise Street
Clarkesville, GA 30523
Main office: 706-890-4976
Toll free: 888-898-4950

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Cornelia Office

390 Chattahoochee Street
Cornelia, GA 30531
Main office: 706-843-2715
Toll free: 888-898-4950

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Elberton Office

264 Heard Street
Elberton, GA 30635
Main office: 706-963-1457
Toll free: 888-898-4950

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Hartwell Office

33 Campbell Drive
Hartwell, GA 30643
Main office: 706-622-3685
Toll free: 888-898-4950

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Jefferson Office

181 Washington Street
Jefferson, GA 30549
Main office: 706-526-4520
Toll free: 888-898-4950

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Toccoa Office

219 North Broad Street
Toccoa, GA 30577
Main office: 706-955-2077

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed

Washington Office

818-A East Robert Toombs Avenue
Washington, GA 30673
Main office: 706-955-0864
Toll free: 888-898-4950

Office Hours:

Mon: 8:00 AM - 4:30 PM
Tues: 8:00 AM - 4:30 PM
Wed: 8:00 AM - 4:30 PM
Thurs: 8:00 AM - 4:30 PM
Fri: 8:00 AM - 4:30 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
- Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
- Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
- Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
- Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
- Susan T.