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Types of Insurance Products

Not sure which type of insurance policy you need? Below is description of various insurance products available categorized by property and casualty, health, and personal.

Property and Casualty

  • Building
    • Covers the structure of your building (for building owners)
  • Property
    • Covers business personal property (ex. desk, phones, machinery, equipment)
  • General Liability
    • Covers property damage and bodily injury
  • Workers’ Compensation
    • Required in Georgia for businesses with 3 or more employees, including owners
    • Covers medical expenses and potentially lost wages for employees who become injured while working
  • Commercial Auto
    • Covers automobiles registered to the companies
  • Commercial Umbrella
    • Covers most underlying policies (ex. liability, auto, workers’ compensation)
  • Mechanical Breakdown
    • Covers repairs or replacement to damaged equipment
  • Errors and Omissions (E&O)
    • Protects businesses against negligent claims related to professional advice and/or services provided
    • Protects against errors that would cause someone to have a loss that they would hold you responsible (ex. financial damage)
    • Can purchase Cost to Correct with E&O
  • Professional Liability
    • Coverage for if you are sued for any service or advice provided (ex. printers errors and omissions, mailers errors and omissions)
  • Employment Practices Liability (EPLI)
    • Type of liability insurance covering wrongful acts arising from employment practices (ex. wrongful termination, sexual harassment, retaliation)
  • Directors and Officers Liability (D&O)
    • Used to protect the leaders of your organization when making managerial decisions that have adverse financial consequences
  • Fiduciary Liability
    • Guards against mismanagement of a company’s employee benefit plan
  • Crime
    • Covers monies, securities, and other properties against a variety of criminal acts (ex. employee theft, forgery, extortion, computer fraud)
  • Cyber Liability
    • Covers a breach of network security (ex. data losses and/or breach, fund transfer loss, credit card information breach)
  • Fidelity Bonds
    • These bonds are intended to protect the policyholder from dishonesty and fraud committed by employees
    • Bonds must be at least 10% of the plan
  • 401K Plan
    • Retirement savings plan sponsored by an employer to provide workers to invest a portion of their paycheck before taxes


  • Medical – Group Only
    • If you have 2 or more full time employees, we can shop group health for your employees.
    • We also have a separate option for members of PIAG to offer a large group plan.
      • Group health plan for your doctor and hospital visits and prescriptions
      • There’s usually a copay and deductible
  • Dental – Group Only
    • We offer group dental plans that will help cover cleanings, fillings, and other major services. We can shop most major carriers.
  • Vision – Group Only
    • We offer 2 major vendors that can offer vision plan to help cover your exams, contacts and/or glasses
  • Disability- Group Only
    • Short-term disability product that replaces a portion of income
  • Life – Group and individual options
    • We offer basic and term life programs 
  • Cancer – Aflac and Colonial options
    • Pays indemnity-based benefits to help cover medical and non-medical expenses related to cancer diagnosis and treatment


  • Renters
    • A renters insurance policy is a group of coverages designed to help protect you and your belongings. A typical renters insurance policy includes liability coverage, protection for your belongings and coverage for additional living expenses, should the home you’re renting become temporarily uninhabitable. While you may not always be able to prevent certain situations, such as a break-in or visitor’s injury, renters insurance, sometimes referred to as “tenant insurance,” may help minimize the impact, whether you’re renting a single-family home or an apartment.
  • Home
    • Homeowners coverage provides financial protection against loss due to disasters, theft, and accidents. Most standard policies include four essential types of coverage:
    1. Coverage for the structure of your home – Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning, or other disasters listed in your policy.
    2. Coverage for your personal belongings – Your furniture, clothes, sports equipment, and other personal items are covered if they are stolen or destroyed by fire, hurricane, or other insured disasters.
    3. Liability protection – Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets.
    4. Coverage for Additional Living Expenses – Pays the additional costs of living away from home if you cannot live there due to damage from an insured disaster. It covers hotel bills, restaurant meals and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.
  • Personal Auto
    • Your personal auto will most likely have the following 6 coverages.
    1. Bodily Injury Liability – Injuries that you cause to someone else. You should consider purchasing enough to protect your assets in case you are sued.
    2. Medical payments
    3. Property Damage Liability – This coverage pays for damage you may cause to someone else’s property.
    4. Collision – Damage to your car from a collision with another object or car.
    5. Comprehensive – Pays for loss due to theft or damage other than collision with another car. Examples would be fire, vandalism, or hitting a deer.
    6. Uninsured and Underinsured Motorist – If you are hit by an uninsured driver or someone that doesn’t have enough coverage to pay for your total loss.

Let’s get you covered.

No matter how big or small your insurance needs are, PIAG Insurance can find the right amount of coverage for you.

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