Business Insurance
Protect your company
Add $1M–$10M+ in extra liability protection above your General Liability, Auto, and Employers’ Liability, so one claim doesn’t sink your business
Standard liability policies (general liability, auto liability, employer’s liability) all have coverage limits. One major lawsuit can exceed those limits, leaving your business exposed. An umbrella policy provides additional protection on top of existing policies.
Protection Against Lawsuits
Higher Liability Limits
Coverage for Multiple Policies
Peace of Mind for Growth
Protects against claims of bodily injury, property damage, or advertising injury. Required by landlords, clients, or licensing boards.
Covers buildings, inventory, furniture, and business equipment.
Available as part of a Business Owners Policy (BOP).
Combines general liability + property + loss of income.
Ideal for small to midsize businesses.
Covers mistakes, errors, or omissions in your work.
Essential for consultants, real estate pros, and service-based businesses.
Covers company-owned vehicles or employees using cars for work. Includes liability, physical damage, and hired/non-owned auto.
Mandatory in most states once you hire employees.
Covers work injuries, medical costs, and lost wages.
Protects against hacking, data breaches, and digital theft.
Highly recommended for businesses with customer data or e-commerce.
Adds extra liability coverage above all other policies.
Protects your assets from major lawsuits or claims.
Extra liability protection that stacks on top of your existing policies when claims blow past the usual limits.
Boosts your GL limits for big third-party claims.
Large at-fault accident judgments.
Serious workplace-related lawsuits.
High-severity, low-frequency events.
Major product-related claims.
When alcohol is part of your ops.
Indemnity/hold-harmless obligations.
Libel, slander, copyright (as scheduled).
Coverage that travels with you.
Legal defense when limits are blown.
Large jobs, subs, cranes, and heights. Meets client/GC requirements and adds limits above GL, Auto & Employers Liability.
Fleets, last-mile, owner-ops. High-severity auto claims demand extra protection layered over auto liability.
Apartment complexes, HOAs, commercial buildings. Foot traffic & premises exposure—often required by lenders/landlords.
Liquor service, events, late hours. Umbrella can sit over GL and liquor liability when underlying coverage is in place.
Products shipped nationwide or into big-box retail. Vendors/retailers often require $2M–$10M total limits.
High foot traffic and product exposure—especially multi-location or seasonal spikes.
Patient interaction, mobile clinics, volunteers. Extra cushion for third-party injury claims.
Client-facing offices, on-site work, and HNOA exposure. (Umbrella is not a substitute for E&O.)
Fundraisers, outreach, volunteers, and venues. Helps with venue certificate and grant requirements.
Utilities, public works, transit, parks. Wide public interface with severe-loss potential.
Concerts, festivals, sports, rentals. Crowd and spectator risks often require higher limits.
Farm operations, agritourism, and transport. Premises and auto exposures benefit from added layers.
If a client, GC, or landlord demands $5M+ or “umbrella/excess required,” this is the cost-effective way to comply.
Solutions for online and physical stores to boost sales and streamline operations.
Read More →Tools to attract diners, manage bookings, and grow your food business.
Read More →Support for agents, brokers, and managers to close deals faster.
Read More →Build stronger client relationships and manage projects efficiently.
Read More →Engage communities, manage donations, and grow your mission.
Read More →Solutions for salons, spas, and barbershops to attract and retain clients.
Read More →For legal, finance, and consulting firms to manage clients effectively.
Read More →Industry solutions to scale operations and serve clients better.
Read More →Independent: We negotiate across top carriers (The Hartford, Travelers, Liberty Mutual, etc.).
Speed: Same‑day quotes possible for straightforward risks.
Clarity: Plain‑English explanations of follow-form terms.
Service: COIs on demand; annual renewal reviews.
OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
ABOUT OUR INSURANCE
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
Copyright 2025. OnePoint Insurance Agency. All Rights Reserved.