What Type Of Commercial Insurance Do You Need In Your Industry: A Brief Guide

Commercial insurance is available for all types of businesses, but no two policies are created equal.

Agencies like AWARD Insurance Group provide many branches of commercial insurance. It’s just a matter of knowing which type of insurance suits your business well. This suitability is based on your industry. If you own a business in Dalton, GA, read on to find out how to identify the right commercial insurance for your industry.

If You Rent Or Own Your Place Of Business

If you’re running your business from an actual office, your best bet is to invest in general liability commercial insurance. This type of insurance is a recommended type of base coverage for most businesses.

In your case, though, it’s especially advantageous to get general liability coverage. If a third-party (such as a customer or a passerby) slips and injures himself on your business property, he can sue your business. General liability can cover that cost for you, possibly preventing you from having to liquidate your business assets.

If You’re A Doctor Or Lawyer

If you own practice of any higher-cost service (legal or medical), you need malpractice insurance.

If a former client or patient accuses you of negligence in their case, that could cost you your career. Furthermore, it could rob you of any income, both personal and that which belongs to your practice. As a licensed lawyer or doctor, being insured against malpractice is a crucial step. Your coverage can cushion the blow of a malpractice lawsuit.

If You’re In The Media

If your business is in the media or communications industry, you need media liability insurance. Though this type of commercial insurance is less common than the previous ones, it is an important form of protection.

Media liability insurance covers your assets and your reputation in the event that someone sues you for liable or slander. As a writer or a journalist, you are always in danger of angering a sue-happy individual. that type of person is eager to erase your career and put you in debt due to something you wrote or said which he dislikes.

Liable cases are sometimes hard to prove, but they are costly if dragged out in court. Get your commercial media liability insurance as a media professional, just in case.

Are You Ready To Buy Commercial Insurance?

Whether you’re buying insurance for your business as a first-timer or a veteran, there is a lot to ponder when it comes to commercial insurance. Contact AWARD Insurance Group, where our helpful agents will guide you through the process of purchasing the policy that fits your needs best. As a business owner in Dalton, GA, give us a call today, and we’ll be eager to assist you on your path to securing your coverage.

Is Umbrella Insurance Useful In Every Situation

AWARD Insurance Group – Our Name Says It All

We won’t say that we received the only award for client service but there is a reason that our name is spelled out in capital letters. We are a premier agency,  and we really value your business, your time, and your resources. We would never imagine or attempt to waste any of those valuable items with unnecessary insurance.  

Umbrella insurance is, simply stated, an extension on a standard policy of insurance. Standard policies have normalized limits of liability amounts that are paid. That means that certain laws and guidelines govern the minimums on the standard policy. Umbrella insurance comes into a situation when the liability exceeds a normalized amount.

To accurately answer the titular question – umbrella insurance is not necessary for every situation. It becomes necessary in an abnormal situation. That is not to say that everyone cannot benefit from umbrella insurance. Unfortunately, it is commonplace for the abnormal to happen. Speaking with an agent will give you a better idea of how, where, and why umbrella insurance could be a great idea for your life.

Leave It To The Professionals At AWARD Insurance Group

Not only do we provide product for umbrella insurance, but we also provide insurance policies for your automobile, motorcycle, RV, home, life, condo and boat/watercraft. Additionally,  we provide commercial insurance.

Our offices are located in Dalton, GA. Pop in at any time to speak with one of our knowledgeable agents about how you can insure the various facets of your life. If you are located in Dalton, GA, coming in is convenient, however, if you are in a surrounding area please feel free to give us a call at  706-226-1346. We serve both Georgia and Tennessee with confidence and professionalism. 

3 Ways Condo Insurance Protects Your Investment

If you’ve just bought a condo, your next step is getting condo insurance to protect your investment. Your condo’s Master Insurance Policy covers your building and common areas, not your personal unit. A personal condo insurance policy from AWARD Insurance Group in Dalton, GA, however, can give you the protection you need for your newly-acquired property.

Here are three ways a condo insurance policy protects your valuable investment:

Interior Building Protection

This coverage pays for repairs to the interior of your condo if it gets damaged by a covered peril such as fire, water damage due to plumbing problems, smoke damage, etc. This coverage includes your unit’s walls, built-in structures such as shelves or bookcases and fixtures.

Personal Property Coverage

Personal property insurance covers your belongings from clothing to electronics and everything in between. If your goods are stolen or damaged in a covered peril, your insurer will cover repair or replacement costs. If you choose actual cash value coverage, you’ll get reimbursed for the value of your goods less depreciation. If you choose replacement cost coverage, your insurer will cover the whole cost of replacing your goods. This could save you thousands of dollars out-of-pocket if you were to suffer total loss in a fire.

Liability Coverage

If you like to entertain, liability coverage is a must. Liability insurance protects you against accidents that people may have when visiting your condo. If a friend accidentally falls down the stairs and breaks his arm, your liability insurance will pay for his medical bills so you don’t have to pay out-of-pocket. If your friend sues you for damages, liability insurance will pay for legal fees and settlement costs.

For quality condo insurance at an affordable price, see your AWARD Insurance Group agent in Dalton, GA.

Carry RV Insurance With You While Vacationing This Summer

Now is the time to begin planning your summer vacation. While you are booking RV campgrounds and browsing for vacation spots, take the time to browse through the benefits of RV insurance. While you may carry a standard auto policy on your RV, an RV insurance policy has the ability to protect RV owners in campgrounds and other locations while on vacation. Agents at AWARD Insurance Group understand the benefits of the RV policy over the auto policy and are determined to provide this information to residents in Dalton, GA.

Attachments and Belongings Coverage

When you are traveling on vacation, items like satellites, awnings, and other outside belongings are essential for your vacation. Unfortunately, damages or theft can cause you to lose these items. If your RV is only insured with auto insurance, items such as these will not be covered. However, RV insurance will cover these items and any damages that occur while the RV is parked and utilized as a home for camping.

Vacation Liability

Auto insurance often times will not cover any damages that occur while the RV is parked and used as a vacation residence. Unfortunately, accidents can still happen while the RV is not traveling on the road. Should an accident occur within the liability, your vacation could be cut short by a slew of medical bills and expenses. With RV insurance, your liability is covered and your vacation can continue without any additional financial stress. This is also available for any thefts that may happen in these parks and campgrounds where the RV is residing.

Get Covered Today

If you are considering RV insurance, contact one of our agents today. AWARD Insurance Group proudly serves the communities in and around the Dalton, GA area. Give us a call today for your new policy.


I Just Bought a Boat – What Do I Need to Tell My Insurance Agent?

You just purchased a beautiful new or used boat to enjoy with your family and friends. Before you make the decision of where you will dock your beauty – whether the boat will be kept at your home or elsewhere or when your first boat party will take place – you have to make a decision about the insurance to protect your new investment. 

Before you contact an insurance agent consider a few points about your new boat purchase:

 Will you be using your new boat for commercial purposes all or any part of the time? Of course, you know the answer but your agent will ask and it is something that you should consider as well. Many boat owners rent out their boats for part of the year. If you plan on letting others borrow your boat you also have to make certain that they have no commercial enterprise in mind. 

 Where will your boat be docked? Also, think about how often it will be docked. These items are important factors. 

Do you plan on a lot of guests aboard your watercraft? 

Are you going to be the only operator of your boat? – If you plan on having other individuals drive/operate your boat your agent will need to know. This factor is similar to motor vehicle use and the ramifications on your insurance. 

After you have some preliminary discussions with yourself give an agent a call. They are able to help you put your boat on the water without much further delay.

Come in to see us today at AWARD insurance group in Dalton, GA.  The staff at AWARD will walk you through the process to ensure that you are able to protect your beautiful new investment for as long as you own it.

The 3 types of coverage that your motorcycle policy should provide

Georgia residents love to get out on the road and explore our fantastic state, and what better way to do so than on a motorcycle? If you are a motorcycle enthusiast, you know the importance of comprehensive insurance to protect both you and your bike. Now is the perfect time to take a closer look at your current policy and make sure that it offers the coverage that you need. The team at AWARD Insurance Group is proud to serve the needs of the Dalton, GA community and is here to review your policy with you.


If you are involved in an accident that causes loss or injury to yourself, your passenger, or another party, liability coverage will protect you from loss due to this event. Such coverage is included in your base policy, however, it is important to confirm that the coverage levels are sufficient for your particular needs.

Total Loss

When your bike is involved in an accident and is deemed totaled it can be difficult to receive a sufficient payout to cover the cost of replacement. This protection will help you to replace your bike in such instances.

Uninsured Drivers

Anyone who has been involved in an accident with an uninsured driver knows how difficult the situation can be. This type of coverage protects you and your passengers in the event that you experience a mishap or accident with someone who does not have insurance.

Whether you are looking to update your current motorcycle policy or just want to gain a better understanding of your coverage, call or stop by AWARD Insurance Group. Our team of professional agents is here to serve the insurance needs of our friends and neighbors in the Dalton, GA area.

A Look at the Different Types of Term Life Insurance

Term life insurance in Dalton, GA and other parts of the state can come in several different types. At AWARD Insurance Group, we want you to make informed decisions when it comes to choosing term life policies. Here are some of the different types of term life insurance available.

Term Life Insurance in General

Term life insurance will cover you for a set period, hence the word “term.” The term length of the insurance can vary from one year to 30 years depending on the policy you choose. Many people choose a 20-year term these days, but you can choose whichever options work best for your needs.

Decreasing Term Life Insurance

Decreasing term life will keep your premium steady over the length of the coverage, but will lower the number of death benefits over time. These policies aren’t widely available but have some use when packaged as mortgage term life insurance. Mortgage term life helps pay off a mortgage. So the longer you’re around to pay your mortgage, the less the policy will have to eventually pay for it.

Level Term Life Insurance

Most life insurance policies are of the level term variety. These policies come in set term lengths. With these policies, “level” refers to the flat rate you pay into the policy during the term.

Different types of level term policies exist. For example, an annual renewable level term insurance policy can represent a yearly policy that renews when the term is up. A convertible level term policy offers options to renew the policy or convert it to a different type of policy when the term is up.

Most forms of term life insurance you come across in Dalton, GA will represent a form of level term life insurance. At AWARD Insurance Group, we carry life insurance packages that can help you do the most with your term life insurance policy. Contact us or visit to learn more about term life and how it can benefit you.

How to Protect Yourself Against Worker’s Comp Fraud

Worker’s comp is set in place to provide for employees in the event that they are injured in the workplace and cannot work. However, there are always a few people who will push the boundaries and see how they can take advantage of the system. Here are a few ways you can protect yourself from worker’s comp fraud. 

Have a Safety Plan

Having a well-established safety plan is the best way to ensure that individuals do not take advantage of gray areas. The safety policies should be well outlined, well trained and well exhibited in a common area for all to see. Make sure that each employee is thoroughly trained in safety procedure and reporting. This can help alleviate the "I didn’t know," excuses that sometimes accompany a bogus worker’s comp claim. 

Maintain a Safe Work Environment

A safe work environment will make it difficult for employees to have ammunition to use against you in a fraudulent worker’s comp case. Make your work environment so safe that it would be very difficult to get injured. In many workplaces the likelihood of injury is great, so it becomes difficult to disprove fraudulent claims. Although it may seem like it takes more time and even money to maintain a safe work environment it will pay off in the long run. 

Hire Carefully

It pays to do your research on new hires. Most individuals who will commit worker’s comp fraud have done it before or have had difficulties at previous jobs. It is always a good idea to check up on a person’s past job history by speaking with their former employers. Ask probing questions concerning their ethics and any problems they may have had at their other job. 

Worker’s comp fraud can be stressful and expensive. If you would like to learn more about protecting yourself from fraud contact AWARD Insurance Group serving Dalton, GA.

What Is A Universal Helmet Law?

AWARD Insurance Group offers motorcycle insurance to residents who live in or near Dalton, GA. Each agent has experience in writing policies for motorcycle owners who ride on a regular basis. Georgia is one of many states that has a universal helmet law. Other states have partial helmet laws that allow riders to go without a helmet if certain criteria are met.

Universal Helmet Laws

A universal helmet law means that every rider must wear a helmet, no matter their age or level of experience. A DOT Approved motorcycle helmet must be worn at all times when a motorcycle is being operated on Georgia roadways. A partial helmet law states that only riders who are 16 and under or any individual who is operating a motorcycle on a permit are required to wear a helmet. It has been proven that wearing a motorcycle helmet at all times saves the lives of both the rider and the operator of the motorcycle.

DOT Approved Helmets

In order for a motorcycle helmet to be DOT Approved, it must meet the criteria of the Department of Transportation. If a helmet passes the strict guidelines and is approved for use it will have a sticker that states "DOT Approved. The sticker will be located on the back of the helmet, in the center along the base. The sticker will be clearly visible and must not be tampered with.

Residents who live in Dalton, GA and ride motorcycles on a regular basis are well aware of the importance of having a universal helmet law. If you have questions about what type of helmet works best for you and whether or not it is DOT approved, call the agents of AWARD Insurance Group today! They will be able to answer all of your questions and help you find the right helmet for you.

3 Things You Need to Know About Boat Insurance

According to the law, all Dalton, GA boats with an engine horsepower of at least 50 require the minimum liability boat insurance. However, it is advisable to get insurance even for smaller boats for protection on water. If you are wondering what type of boat insurance would be ideal for you, consult AWARD Insurance Group to find boat insurance quotes that are customized to the specifications and the needs of your boat. Your boat insurance will depend on the type of boat you have, how often you use it, and the risks involved.

Facts About Boat Insurance

  • Boat insurance does not just cover the owner of the boat in case of an accident. It covers the passengers too. The liability part of boat insurance helps the owner of the boat to pay for the medical or funeral payments of the passengers. If they lose their property, it helps to pay for the costs of replacement.
  • Boat insurance does not always cover damage from storms, tornadoes, or hurricanes. Consult an insurance agent to find out what your boat insurance policy covers. The standard boat insurance policy offers compensation for the costs of repairing or replacing your boat after a collision, damage done to someone else’s boat, the replacement cost if your boat is stolen, and medical charges for other people while they are in your boat. There is an option for replacement cost or cash value compensation.
  • You need boat insurance because home insurance doesn’t cover most boats. Your home insurance can offer coverage if you have a very small boat. Talk to your boat insurance agent to find out if your homeowner’s insurance policy covers your boat.

Contact AWARD Insurance Agency in Dalton, GA on 706-226-1436 to discuss your new boat insurance quote.