8735 Dunwoody Place STE R Atlanta, GA 30350
Info@Oginsurancehq.com
You built this business with your own hands, your own savings, and your own risk tolerance. Every contract you signed, every employee you hired, and every customer you served added value, and exposure, at the same time.
One lawsuit, one fire, one data breach, or one accident behind the wheel can undo years of work in a single afternoon. Commercial insurance exists to make sure that one bad day does not become the end of the story.
OG Insurance HQ helps business owners compare coverage across the market, optimize their protection for the risks that actually apply to them, and protect the people, property, and income their business depends on.
Commercial insurance is not one policy. It is a category of coverage built from several products, each designed to handle a specific kind of risk. A retail shop owner, a contractor, and a nonprofit director all face different exposures, so no two businesses should walk away with the same policy stack.
At its core, commercial insurance protects four things every business has in common:
The right combination of policies depends on your industry, your headcount, your revenue, and the specific risks tied to how you operate.
Most insurance carriers will tell you the same thing an experienced agent will tell you: there is no single policy that covers everything. A General Liability policy will not pay for an employee’s injury. A Workers Compensation policy will not pay for a cyberattack. A Commercial Auto policy will not pay for a customer who slips and falls in your lobby.
Because each policy is built to handle a narrow set of risks, business owners typically layer several coverages together. A landscaping company might combine General Liability, Commercial Auto, and Workers Compensation. A software consultancy might combine Professional Liability, Cyber Liability, and a Business Owners Policy. A nonprofit might combine Directors and Officers coverage with General Liability and EPLI.
Trying to guess which combination fits your business is exactly where most owners get stuck, and exactly where carrying the wrong coverage, or too little of it, becomes expensive.
We organize commercial insurance into clear categories so you can quickly find the coverage that matches your risk. Each product below links to a full breakdown of what it covers, who needs it, real claim examples, and current cost ranges.
Cost is the question every owner asks first, so here is what small businesses are paying today for the most common policies, based on aggregated small business policyholder data.
Figures reflect aggregated small business policyholder averages reported by Insureon and Progressive Commercial, and will vary based on your industry, location, revenue, claims history, and coverage limits.
Most owners are surprised how affordable foundational coverage is compared to the cost of a single uncovered claim. A general liability claim alone can run into the tens of thousands of dollars before it ever reaches a courtroom.
General Liability Insurance: around $45 per month
Business Owners Policy (BOP): around $83 per month
Workers Compensation Insurance: roughly $45 to $70 per month per employee, depending on industry risk
Commercial Auto Insurance: roughly $150 per month per vehicle, depending on use and driving history
Professional Liability Insurance: around $88 per month
Cyber Liability Insurance: around $129 per month
Commercial Umbrella Insurance: around $86 per month
Employment Practices Liability Insurance (EPLI): around $222 per month
A small bakery in a strip mall skipped Workers Compensation because the owner believed her three employees were low risk. One employee slipped on a wet floor near the walk-in cooler and broke her wrist. The medical bills, lost wages, and legal costs reached nearly $38,000. Because the bakery had no Workers Compensation policy, the owner paid every dollar out of personal funds and faced a state penalty for operating without required coverage.
A properly structured policy would have cost a few hundred dollars a year. The gap cost her business almost four decades of premiums in a single incident.
Start with the foundation. Most businesses need General Liability and either a Business Owners Policy or separate Commercial Property coverage. If you have employees, Workers Compensation is typically required by law. If you use vehicles for business purposes, Commercial Auto closes a gap personal auto policies will not cover.
From there, layer in coverage based on your specific exposure. A consultant or accountant adds Professional Liability. A company storing customer data adds Cyber Liability. A nonprofit or any business with a board adds Directors and Officers coverage. A business that wants extra liability protection beyond standard limits adds a Commercial Umbrella policy.
You do not have to figure this out alone, and guessing is the most expensive option on the table.
Most businesses do. Each policy is built to cover a narrow category of risk, so combining a few core policies is usually the only way to close every major gap.
A Business Owners Policy bundles General Liability and Commercial Property into one discounted package. It is often cheaper than buying both separately, but it does not replace specialty coverage like Cyber Liability or Workers Compensation.
Most small businesses can get quoted, bound, and covered within a few business days, and some coverage can be issued the same day depending on the policy and underwriting requirements.
We compare options across the market instead of pushing one carrier’s product. We help you optimize coverage so you are not overpaying for limits you do not need or underinsured on the risks that matter most. And we protect your business the way you would protect it yourself, with a focus on what actually happens when a claim is filed, not just what the policy looks like on paper.
Tell us a little about your business, and we will help you compare the right combination of coverage, optimize your protection against the risks you actually face, and put a policy in place that protects what you have built.