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Errors and Omissions Coverage in Georgia

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p>In many professions, mistakes are costly. Not fulfilling a contract can get you sued. And in Georgia, errors and omissions (E&O) are especially prone to going to court.

That’s why at Bingham Insurance Group, serving Braselton, GA, and the state, we recommend that all of our clients who are in business for themselves, accountants, tutors, caterers, remodelers, insurance brokers, trainers, and nutritionists, among many others, avail themselves of E&O coverage.

Certain professionals, like lawyers and doctors, are statutorily required to carry malpractice insurance in Georgia. Architects and engineers carry professional liability insurance. Coverage for other professions and services is known as E&O. E&O is not required by law, but it is always a good idea to have it.

What kinds of situations are covered by E&O?

  • You are a wedding photographer, and your film is spoiling.
  • You are a cake decorator, and you discover you misspelled the honoree’s name at the last minute.
  • You are remodeling a bathroom and putting the hot and cold water connections in backward.
  • You are an insurance agent, leaving an insured’s name off the policy.
  • You are a beautician who accidentally turns your client’s skin purple.
  • You are a writer and accidentally publish someone else’s words as your own.

You are covered for honest mistakes. You are not covered for intentional errors. You aren’t covered for illegal acts. You aren’t covered for bodily injury to another.

But you can get affordable coverage from Bingham Insurance Group the same day you come in. We need your registered business name, your registered business location (you can be in Braselton, GA, or anywhere in the state), your business license numbers, some basic information about your employees and revenues, and an understanding of what you do.

We can help you find affordable E&O insurance. Call us today!

Tips for making your home a safer place inside and out

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Ensuring Home Safety with the Right Insurance Coverage

Home is a sanctuary, representing safety and comfort. Ensuring safety at home means different things for everyone, but one universally beneficial measure is securing the right home insurance. The team at Bingham Insurance Group in Braselton, GA, would be happy to discuss our wide range of home insurance products that help you safeguard your happy place.

Home Security System

Safety begins at your front door. Modern home security systems are quick to install, requiring minimal tools and technical know-how. They are affordable and conveniently connected to your mobile phone, allowing you to monitor your home from anywhere.

Motion Detection Lighting

Installing motion detection lights outside your home can deter potential intruders who may try to approach in the dark. These lights can also scare away wild animals and allow you to see your surroundings.

Locks

Install locks on your doors and windows for effective security. Use these locks daily, regardless of where you live, to maintain effective security.

Smoke Detectors

Smoke detectors are crucial safety devices for every home, potentially saving lives in emergencies. Keep a fire extinguisher on every floor in easily accessible locations when needed.

At Bingham Insurance Group, an independent insurance agency in Braselton, GA, we offer experienced staff and multiple carriers to discuss your current home coverage.

Should College Students Have Renter’s Insurance?

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If you have or are a student heading to college, you certainly have a list of things you need. It would help if you got classes scheduled and books procured, and you may need an apartment. Of course, you can add furniture, a computer, kitchenware, bedding, and more.

If a student rents space while attending school, you should also ensure that you have renters’ insurance.

At Bingham Insurance Group, we serve the Braselton, GA, area with a full line of personal insurance products, including renters insurance.

Here’s why you may need it:

The landlord doesn’t cover your personal items.

A landlord’s insurance policy does not cover a tenant’s personal items. This is up to the renter, and renters’ insurance is how to get covered.

Your landlord could require it.

More landlords and property managers are requesting that tenants carry renters insurance. They may even recommend an agent, but you make that choice.

Renters insurance covers your personal property.

Renters’ insurance can cover personal items that are stolen or vandalized. They may also be covered while your student is traveling. Certain electronics may be limited.

Liability insurance is included.

Renters insurance often provides liability insurance should a visitor or delivery person become injured while at the rental property.

Contact Bingham Insurance Group for a quote today.

Remember that the renter’s insurance covers the insured’s personal property. This means each tenant should have their own policy.

Contact us at Bingham Insurance Group of Braselton, GA to get a quote on a renters’ insurance policy. We look forward to helping you get your college year off to a great start.

Why Liability Protection is so Valuable

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Ask most homeowners around Braselton, GA, about what home insurance protects against, and they are likely to mention issues like storm damage, fires, theft, or even vandalism. However, Bingham Insurance Group of Braselton, GA, wants you to be aware of a critical part of your homeowner’s insurance: the protection afforded to you by the liability insurance coverage of your home insurance policy.

What is Liability Insurance?

Liability insurance offers financial protection should someone become injured or suffer other losses while they’re on your property. As a homeowner, you have a basic responsibility to ensure the safety of visitors, and if they were to get injured, you might be held financially responsible.

Examples of Liability Risks

Liability risks at your home can range from pet and dog bites to slips and falls from a cracked walkway or a piece of loose carpeting. You could face a liability claim from a friend, relative, neighbor, or even a delivery person or yard worker. Even items as seemingly simple as a backyard swing set can be a source of a liability claim.

Why Liability Protection is so Important

Liability protection is important because claims can be significant. Settlements can be large, and the legal costs associated with these claims can also be substantial. Homeowners insurance liability coverage takes care of settlement amounts and legal costs.

Learn More at Bingham Insurance Group

If you’re a homeowner in the Braselton, GA, area and have questions about homeowners insurance, we invite you to contact Bingham Insurance Group. We can answer your questions, review your current home insurance policy, and provide you with a potential money-saving price quote.

Ensure that your homeowner’s insurance, including your liability coverage, is up to date by contacting Bingham Insurance today.

How to Set a Deductible for a Motorcycle Insurance Policy

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Georgia law requires Braselton, GA motorcycle owners to buy motorcycle insurance. However, you can choose the deductible you set on collision or comprehensive coverage. Understanding how this works can help you set a limit that’s the best option for your financial situation.

What is a Deductible?

Your deductible is the amount you’re willing to pay out of pocket if you’re involved in a motorcycle accident. You can typically set a deductible from $0 to $2,000, with the most common options being $500 and $1,000. 

Before your insurer provides compensation, you’ll need to pay your deductible limit out of pocket. For instance, if you set a deductible of $500 and damage from an accident comes to $2,000, you’ll pay $500, and the insurer will pay the other $1,500. On the other hand, if your deductible is $1,000 and the damage comes to $900, you’ll pay the full bill out of pocket. Thus, you should avoid setting a deductible higher than you can afford. While motorcycle insurance costs less if you have a high deductible, the long-term cost of paying for expensive repairs may not be worth the temporary savings.

Expert Insurance Help from Bingham Insurance Group

It can be hard to know which deductible limit is right for you. Your motorcycle’s age, how often you ride it, and other factors will determine which deductible works best for your situation. Thankfully, you don’t have to figure it all out on your own. Bingham Insurance Group in Braselton, GA, has the experience and expertise you need to pick the right policy for your motorcycle. Call us at your convenience to find out more or to get a policy quote.

Boat Insurance Add-Ons: Different Ways You Can Enhance Coverage

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Watercraft are one of the few vehicles that can be especially open to damage, especially if you have your boat docked or in a place on your property where the great outdoors could pose a risk to it. Ensuring it’s insured is an excellent first step if you plan on taking it around some of the lakes near Braselton, GA. That said, boat insurance might not cover all the potential risks to your watercraft. While boat insurance will typically cover bodily injury liability, damage done to your boat, or damage done to someone else’s property, it doesn’t cover everything. Here’s why you might wish to consider improving your coverage with add-ons and how we at Bingham Insurance Group can help you ensure your watercraft is covered correctly. 

What Boat Insurance Add-ons Might I Consider to Enhance My Coverage?

Individual needs will vary from boat owner to boat owner, but there are several add-ons that prospective policyholders can select from if they’re looking to maximize their coverage. Some of the more popular boat insurance add-ons that could prove valuable in the future include total loss replacement (covers the whole cost of your boat if you need to buy a new one), on-water towing for when you get stuck on the water and need a hand, boat contents insurance, and even coverage that can help you stay financially afloat if you collide with another boat (especially one that’s not insured). So many potential issues could arise when you’re out on your boat, so why not take extra care to keep yourself covered in any situation with the right add-ons? 

Get a Quote With BIG 

If you’re a boat owner in the Braselton, GA, area or surrounding areas, Bingham Insurance Group is your go-to source to find the right watercraft policies for your boat and belongings. Get your quote with us today!

Why Umbrella Insurance Is So Important

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Home and auto insurance policies are great for standard coverage, but sometimes, you might need an extra layer of protection, particularly in the form of liability coverage. An umbrella policy becomes the perfect solution in such cases. At Bingham Insurance Group in Braselton, GA, we’re here to enlighten you on how this often-overlooked insurance can help strengthen your financial safety net.

Why is Liability Coverage Crucial?

Liability coverage is imperative for home and auto insurance to protect you. Unfortunately, most home and auto policies don’t include extensive liability coverage. An umbrella policy adds considerable liability coverage to both of these policies simultaneously, thus giving you broader protection.

This coverage becomes vital when accidents occur involving your home or vehicle. It takes care of the ensuing bills, which might lead to you solely bearing the considerable expense if left uncovered.

How does Umbrella Insurance Function?

Umbrella insurance operates by having a significantly higher liability maximum payout as compared to most home and auto policies. When an accident transpires, your home or auto policy pays initially up to its maximum payout. After this, your umbrella policy caters to the remaining costs. This prevents you from incurring expensive overages that you’d have to pay out-of-pocket.

Secure Your Financial Future with Umbrella Insurance

Umbrella insurance is a practical way to secure your financial future. To get started with your policy, reach out to us at Bingham Insurance Group in Braselton, GA. Let us help you put the extra layer of protection you need in place.

Don’t Be Overwhelmed by the Flood

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Floods are scary, period. They are also destructive, dangerous, and expensive. Fortunately, flood insurance can help with some of those concerns, such as destroyed items and cleanup costs. Those are also a few of the reasons why Braselton, GA businesses and homeowners turn to the team at the Bingham Insurance Group to help keep their heads above water when the floodwaters rise.

Flood Damage Protection and Insurance

Some floods wipe out homes and present frightening power. These floods sneak up on us and leave thousands of dollars worth of damage in repairs and cleanup in their wake. The bottom line is that there is no such thing as a good flood, and every flood can overwhelm homeowners and businesses without the right flood insurance solutions.

We can do very little to prevent flooding, but we can prepare and take precautions. With the help of knowledgeable and helpful agents, the right flood insurance solutions can make it easier to pick up and carry on once the waters recede.

For All Your Flood Insurance Needs

The power and damage of a flood are difficult to describe, but those who have experienced flooding events appreciate and respect the harm and havoc they can cause. The good news is that we don’t have to experience floods to be better prepared for them, which is precisely what flood insurance does. 

If you live in or around Braselton, GA, and have questions about or need flood insurance, our friendly and professional team at the Bingham Insurance Group can help. Contact us to learn more and get the protection you need for all your flooding concerns today.

What should I think about when shopping for life insurance?

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Navigating Life Insurance in Braselton, GA

For those residing in Braselton, GA, understanding and addressing your insurance requirements is essential. Life insurance sits atop the list of necessary protections and provides financial support for dependents or helps meet any end-of-life expenses. When seeking life insurance, several key factors should be taken into consideration.

Determining the Level of Coverage

A core factor to consider when seeking life insurance is the level of coverage you need. You want to ensure that you’re offering the right support for those you care about. If you have dependents, this means providing for their future financial needs, including cost of living, education expenses, and other essential costs.

Choosing the Right Life Insurance Plan

Another critical aspect of purchasing life insurance is selecting the right insurance plan. Two prevalent life insurance options are whole and term life coverage, each offering particular benefits. While whole life coverage offers lifelong protection with additional financial investment benefits, term life insurance provides affordability and flexibility to suit personal requirements.

It’s vital to explore all your needs and options when seeking life insurance in Braselton, GA. When you’re prepared to find a policy, don’t hesitate to contact the seasoned team at Bingham Insurance Group. Our experienced professionals will provide the guidance you need to construct the ideal policy that caters to all your needs.

Changed Vehicles? It’s Time to Update Your Auto Insurance

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If you’ve recently purchased a new vehicle in the Braselton, GA, area, Bingham Insurance Group can help you update your auto insurance policy. Whether you’re looking for a brand new policy or want to change the one you already have, we’ve got you covered. Our dedicated agents understand that you need a quality policy with coverage you can rely on. We can provide you with quotes from multiple insurers so you can feel confident that you have the best policy for your needs.

Whether you’ve added a vehicle to your household or traded yours in on a new one, it’s essential to ensure you have proper protection for your car and its people. Depending on the vehicle you want to add, there may be a better policy option for great coverage that fits your needs. That’s why working with trusted agents and comparing policies is so important. What’s great for one type of vehicle might not be as good of an option for a different one.

Instead of swapping out one vehicle for another on your current policy, let us compare some different insurers and provide quotes and information. You might find that you can get better coverage for your specific situation through a different insurer than you have now, and we can help you do that. We want to make your insurance experience the best one possible.

Contact us at Bingham Insurance Group today if you’re in the Braselton, GA area. We’ll be happy to help with your auto insurance needs. Then, you can have peace of mind, knowing you have the right insurance for all the adventures in your new vehicle.