Four things to keep in mind when you buy commercial insurance

If you run a business, ensuring your business is insured is essential. Business owners in Commerce, GA can get the commercial insurance they need from Hyman Brown Insurance Agency Inc.

The following are four things that you should keep in mind when you buy commercial insurance. 

The coverage limits on the policy that you buy.

Your commercial insurance policy will cover you up to a certain maximum amount. It’s essential to ensure that your policy maximums are high enough to offer adequate coverage to protect your company’s assets. 

The deductible amounts that your company will have to pay if you file a claim

Deductible amounts shouldn’t be so high that your company will have trouble covering them when you need to file a claim on your policy. Research deductible amount options to choose deductibles appropriate to your company’s needs and finances. 

The types of coverage included in your policy

Many types of commercial insurance include liability, commercial property, commercial auto, and business interruption coverage. Be sure to understand all these coverage types when deciding what to include in your company’s policy. 

The benefits that your insurance coverage offers to your employees 

Your commercial insurance can make your company more attractive to potential employees. This is especially true when you have workers’ compensation coverage.

Ensure your employees know about any coverage types on your commercial insurance policy that can work to their advantage. 

Get a quote on a commercial insurance policy in Commerce, GA by calling us. We are here to meet your insurance needs. Get in touch with Hyman Brown Insurance Agency Inc. today!

Does Home Insurance Cover Sheds?

Hyman Brown Insurance Agency Inc. is committed to assisting our customers with finding home insurance solutions that meet their needs. It’s important to know what your home insurance will or won’t cover, including sheds or outbuildings. If you would like to learn more, reach out to us. We proudly serve the residents in and around the Commerce, GA, area. We can help you find the right coverage. 

Home Insurance Options

There are points to consider when choosing a home insurance policy. However, if you have sheds or outbuildings on your property, they are usually covered by your home insurance policy. Clarify if any contents can be added or are included in the policy. 

If you want to have a clear understanding of your home insurance terms and conditions and also get assistance selecting the right policy for your situation, you should work with our professional insurance agents. 

We aim to ensure you get the insurance coverage you need to avoid gaps and potential losses associated with covered risks. We take the time to carefully assess your specific needs and match you with insurance policies that provide the most benefit. Additionally, we can assist you with document submission to obtain your policy and any changes that may occur during the policy’s lifetime. We even help with claims submissions.

Find Out More 

To learn more about your home insurance policy options, count on Hyman Brown Insurance Agency Inc., proudly serving the resident center around the Commerce, GA area. Please call or stop by our office today to schedule a consultation with one of our highly knowledgeable insurance agents. Get the protection you need today for peace of mind tomorrow.

How renters insurance can help secure your financial future

As a renter, you may think you don’t need to think about your financial future, but even though you may not have a home, you likely have assets you would rather not lose. Our team can offer more choices and personalized service at Hyman Brown Insurance Agency Inc. in Commerce, GA. 

Rental insurance provides a lot of protection for you and your possessions. It also protects you from lawsuits against you and helps provide the funds you need to pay for a place to stay if your rental is damaged.

Content insurance 

A lot of what you own may be inside your rental unit. Most people are quite unaware of how much they own until they have to replace it all. Imagine replacing everything in your kitchen, bedroom, living room, and more. Think about your decor; it could be quite overwhelming. Renters’ content insurance will help you to replace your property. It will also cover your personal content if you are traveling with it. 

Liability insurance

Your assets and future earnings could be at risk if you don’t have this coverage. If you are sued and lose, a judgment against you could impact any assets you have. If you cannot pay it, it is possible your wages could be attached, which would impact your finances today and into the future. 

Loss of use

Where would you go while your rental is repaired if it is damaged? If you have renters insurance, it will cover the cost of your hotel or a temporary rental until our rental is habitable again. 

Contact Hyman Brown Insurance Agency Inc. in Commerce, GA if you are considering renters insurance. We can provide you with a no-obligation quote. 

Five Reasons You Need an Umbrella Policy For Your Home Business

Running a home business can be incredibly rewarding but comes with unique risks. At Hyman Brown Insurance Agency Inc., we understand the importance of protecting your livelihood and assets in Commerce, GA, so we recommend an umbrella policy for your home-based business.

1. Increased Liability Coverage

A standard home insurance policy may not provide enough liability coverage for your home business. An umbrella policy offers additional protection beyond what’s included in your primary policies, ensuring that you’re adequately covered in case of a significant claim or lawsuit.

2. Protect Your Assets

If your home business is sued and the settlement exceeds your liability coverage, your personal assets could be at risk. With an umbrella policy, you can safeguard your home, savings, and other assets from being seized to cover the outstanding costs.

3. Cover Legal Expenses

Legal battles can be costly, even if you ultimately win the case. An umbrella policy can help cover legal fees, court costs, and other associated expenses, providing financial peace of mind during a challenging time.

4. Wide-Ranging Coverage

Umbrella policies often cover incidents that your standard home or business insurance policies may not cover. This can include libel, slander, false arrest, and more. This extra layer of protection ensures you’re prepared for various scenarios that could impact your home business.

5. Affordable Premiums

While adding another insurance policy might seem daunting, umbrella policies are typically quite affordable compared to their additional coverage. Investing in an umbrella policy in Commerce, GA can save you significant financial stress in the long run.

Ready to protect your home business with an umbrella policy? Contact the Hyman Brown Insurance Agency Inc. team for a personalized quote and expert guidance.

How does auto insurance support someone in Georgia?

If you are in the Commerce, GA area, you will find owning a car is a good idea. When you buy a car, you will want to know that your vehicle and investment are adequately protected. A great way that this can be done is by getting a proper insurance plan. A full auto insurance policy can support someone here in various ways. 

Ensure Assets and the Car are Protected

You can be protected with an auto insurance plan by ensuring your car and assets are protected. Your vehicle is likely one of the most valuable assets that you will ever own. Getting an auto insurance policy will give you the coverage and support needed to repair or replace the vehicle in certain situations. Some events typically covered by a fully comprehensive plan include theft, vandalism, and accident damage. 

Liability Risk Mitigation

Getting an auto insurance plan to reduce your liability risks can also be a good idea. When you are looking to get a car and drive it, there is a chance you will cause an accident. If you cause an accident, you will have to cover any damage caused by the collision. You will have the insurance needed to offset this risk when you are insured correctly. 

It is essential for someone in the Commerce, GA area to get an appropriate auto insurance policy. Once you are ready to start looking for coverage, you can call our Hyman Brown Insurance Agency Inc. team to learn more. Our professionals with Hyman Brown Insurance Agency Inc. know the value of this coverage and can help you create a plan that will keep you in good standing moving forward while also protecting your car. 

Protecting Your Business With Commercial Insurance

As a business owner, ensuring your company is safe and secure is your most crucial task. One step in protecting your business is keeping commercial insurance current. The Hyman Brown Insurance Agency Inc., located in Commerce, GA, will provide guidance for choosing the right policies to keep you and your finances where they need to be if something goes wrong.

Understanding Commercial Insurance Types

Navigating the confusing world of insurance can be overwhelming. However, knowing the different types helps make things a little easier to understand. Here are the most common types of policies:

General Liability Insurance:

This coverage protects against claims for bodily injury, property damage, and personal or advertising losses. If you face a lawsuit, it will also help cover legal fees and settlement costs.

Commercial Property Insurance:

Whether you own or lease your business property, this property insurance covers damage to buildings, equipment, and inventory caused by fires, storms, theft, or vandalism.

Workers’ Compensation Insurance:

Workers’ compensation will give wage replacement and medical benefits if an employee suffers a work-related injury or illness. In addition, it will protect your business from legal complications.

Professional Liability Insurance:

Also known as Errors and Omissions (E&O) insurance, this kind of policy covers claims of negligence, errors, or omissions in professional services provided by your company.

Commercial Auto Insurance:

If your business owns or uses vehicles, commercial auto insurance is necessary as it helps with liability and property damage after any accidents involving company automobiles.

What’s Covered and How We Can Help

Commercial insurance policies vary, and it’s important to understand what’s covered and what’s not. We can assist in evaluating your business’s risks and help customize a policy to protect your assets.

Give Hyman Brown Insurance Agency Inc. a Call Today!

Don’t let unexpected events jeopardize the future of your brand. Contact the Hyman Brown Insurance Agency Inc. in Commerce, GA, today to discuss your commercial insurance needs. Invest in your business’s security and give yourself the peace of mind you deserve.

What Kind of Perils Does Homeowners Insurance Not Cover?

Homeowners’ insurance will not cover every possible contingency, as there is usually a list of covered perils and those which are not included. It’s essential to purchase additional indemnifications or endorsements if you live in a region in Commerce, GA that is at high risk for specific hazards. Your Hyman Brown Insurance Agency Inc. representative can advise you in this area. 


Earthquakes fall under a category known as "movement of the earth," which falls outside the scope of your primary insurance. Aftershocks and tremors that occur before the larger quake can weaken the structural integrity of your home and destroy your possessions inside your domicile. 


Floods are defined as water that has touched the ground before entering your abode, and this will typically come from heavy rain, overflowing gulleys or creeks, rivers, and wet weather streams. These can sometimes also cause events that segue into the movement of the earth category, such as mudslides and sinkholes. 


Several pests can wreak havoc on your home, including insects and animals. Your coverage will not pay for the removal of these, as this falls under the responsibility of the homeowner as general maintenance to prevent wear and tear. 


Rotting wood is typically caused by water damage that insurance companies determine to be gradual. The policyholder must make these repairs, as it will generally necessitate addressing underlying issues with the home to prevent future occurrences. 

Hyman Brown Insurance Agency Inc. Wants to Help

We offer insurance packages tailored to meet your needs and can be reached by telephone or online to book an appointment to meet in person. We serve those living in the Commerce, GA region and look forward to hearing from you. 

Renter’s Insurance: Benefits as a Landlord

Renting a property can be a significant investment, but it does come with some risks. Disasters happen, and your landlord’s insurance may not be enough to protect you fully. As a landlord in Commerce, GA, it is essential for you to require your tenants to have a renter’s insurance policy. Encourage your tenants to call Hyman Brown Insurance Agency Inc. today to establish their policy. The benefits to your tenants are clear, but there are also many benefits for you as a landlord.

Added Security

  • Without renter’s insurance, a tenant may ask a landlord to cover the cost of replacing their items damaged due to flooding from a burst pipe, etc. With renter’s insurance, their items are covered, and replacement is straightforward.

Reduce the Risk of Legal Problems

  • A landlord might be held liable if a guest or other third party is injured on the rental property. If your tenant has renter’s insurance, the policy covers that liability, saving all parties time and out-of-pocket costs.

Pet Liability Coverage

  • Renter’s insurance takes the risk out of allowing pets in your rental properties. Some renter’s insurance policies may cover damage to the property by your tenants’ pets, saving everyone headaches in the long run.

Renter’s insurance is becoming a must-have for all renters, and landlords like you should consider requiring your tenants to have it, no matter what type of property they rent. It has numerous protections for them and often overlooked benefits and protections for you as their landlord. Call Hyman Brown Insurance Agency Inc in Commerce, GA today to talk about options available to tenants. Then, please give them our number and encourage them to explore their options to help protect themselves and their belongings.

Do I need umbrella insurance with no employees at my business?

If you’re a business owner without assets you want to protect, umbrella insurance may be a good investment. Many business owners would be unprepared to replace, repair, or pay for some business loss out of pocket. As a result, umbrella insurance can be the backup that many business owners benefit from. Our Commerce, GA team at Hyman Brown Insurance Agency Inc. takes pride in helping Georgia business owners get the necessary coverage. 

What is Umbrella Insurance?

Umbrella insurance is simply a backup or secondary insurance policy. Business owners need to have a primary insurance policy before an umbrella insurance policy can be purchased. Umbrella insurance is designed to provide coverage for anything that extends beyond the limits of the primary insurance policy. However, if your primary insurance policy does not cover something, umbrella insurance will likely cover it too. 

I’m a Small business Owner with no Employees. Do I need Umbrella Insurance?

Suppose you have significant assets that you’re interested in protecting and feel that the limits of your primary insurance could be exceeded or maxed out. In that case, umbrella insurance may be a good investment, even for a small business. Umbrella insurance will provide coverage if any incident exceeds the limits of your primary insurance policy. However, umbrella insurance isn’t a required form of coverage. It’s optional. Business owners with considerable assets and concerns may benefit from an umbrella insurance policy. Call us if you’re a business owner with questions about umbrella insurance. We’d be happy to discuss the benefits and coverage with you. 

Does my business need boiler insurance?

When you visit Hyman Brown Insurance Agency Inc. for commercial insurance for your Commerce, GA business, you might think it will be like purchasing a home policy. It isn’t. Commercial insurance offers more than 25 types of coverage, many specific to a business. Boiler insurance falls into the category of commercial insurance.

Boiler Insurance Defined

The term boiler insurance describes one of the most common types of commercial business. Any business that owns its office building or storefront needs it. It doesn’t just cover actual boilers. It covers any furnace or HVAC type and other equipment related to building operations.

Larger buildings and industrial complexes use a physical plant to manage electrical, gas, and telecommunications lines. Boiler insurance covers all of their equipment.

Why Does a Business Need Boiler Insurance?

With complex areas of insurance, such as commercial insurance, the insurance industry divides coverage into smaller policies so businesses can quickly and affordably choose only the coverage they need. For example, you’d need to own the building to need a boiler policy, so the many businesses that lease space or work from an office in their home don’t need this policy. Conversely, a doctor’s office would need malpractice insurance, another type of commercial coverage that no manufacturing plant would need.

If you own a building that others lease space in, you’d need boiler insurance, even if the building did not use a boiler. Your building might use a 21-st century heat pump and the latest HVAC technology, but you’d still purchase a boiler insurance policy to cover those items.

Contact Hyman Brown Insurance Agency Inc. for more information on covering your Commerce, GA business with boiler insurance. Let us help you protect your Georgia business.