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We are working hard to build a solid reputation for dedication to quality service and an ability to deliver superior products to our clients. Our expertise spans all aspects of insurance, risk management, claims management and risk control.

Mutual Insurance is an independent, registered insurance agency dealing with over 50 different insurers. Our Broker Network uses the combined bargaining power of its members to negotiate lower premiums and improved coverage with many insurers.

Serving Metro Atlanta, Acworth, Woodstock, Canton, Cartersville, Calhoun, Rome, Rockmart and all of North Georgia

Commercial Property and Liability

Commercial Property Insurance

Property insurance can cover the buildings, business property and inventory against physical loss or damage.

If you don't own your building, you'll still need contents coverage. In most policies property insurance for business contents covers furniture, fixtures, inventory, office equipment and other supplies stored at your facility or off-premises.

You may insure those items for replacement cost. Or for actual cash value (ACV), which pays only for the depreciated value of the property.

Replacement cost policies have higher premiums; however this can help your business recover from a loss faster since you can replace all of the lost or damaged property with new items. If you lease some of the equipment at your business, the leasing company may require that you insure the property at replacement value to protect their assets.

Liability Insurance

Liability insurance is designed to protect your covered business against losses even if they are negligent or liable for damage, injury or loss to another's property, reputation, or health. Typically, damages, legal defense fees and settlement charges are paid by the insuring company when a claim or suit is filed against the business.

Bodily Injury

This liability coverage may pay the affected persons or firm for the cost of care, the loss of services and restitution for death that results from an injury.

Property Damage

In the event your business causes damage to or causes the loss of use of someone else's property, property damage coverage may pay for the value of the physical damage to the property; or the loss of use of that property.

Products and Completed Operations

This policy can provide coverage for your company's completed products and services it provided. If an injury or loss occurs due to the use of your products or services provided, the policy would pay for the resulting damages and any legal expenses up to the policy limits.

Contractual Liability

General Liability coverage extends to any liability you may assume by entering into a variety of contracts such as a building lease.

Liquor Liability

In the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages, this type of policy may protect you in case someone claims you are legally liable for a liquor-related accident.

  • Property insurance for buildings and contents owned by the company and owners.
  • Business interruption insurance, which covers the loss of income resulting from a fire or other covered catastrophe that disrupts the operation of the business and flow of income. It can also include the extra expense of operating out of a temporary location.
  • Liability protection, this covers you and your company's legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that have caused bodily injury or property damage due to defective products, faulty installations and errors in services provided.
  • Claim settled faster, verify losses for your business' income tax return and help you purchase the correct amount of insurance.

Start by making a list of personal business property, describing each item and noting where you bought it and its make and model. Clip to your list any sales receipts, purchase contracts, and appraisals you have.