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  • What We Do

    Accurate Protection reveals unrecognized problems and delivers unanticipated solutions allowing you unforseen opportunities for better protection of your company assets. Our comprehensive view of your insurance program ensures that every avenue for risk mitigation and cost containment is explored.

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  • Risk Management

    Our unique process, Accurate Protection 365, will give you the tools to easily and effectively manage risks, control claim costs, increase safety awareness and build employee morale. We produce positive results that place risk management resources where they yield the highest return.

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  • Accurate Protection Connect

    Accurate Protection Connect is your all access pass to valuable business resources. It is available on demand — 24/7 — through our secure, web-based platform.

    Access over one thousand documents designed to help you with:

    Cost containment, Safety programs, OSHA compliance,Claims reporting, Employee communication,Legislative updates and more.





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  • Access over one thousand documents designed to help you with:

    • Cost containment
    • Safety programs
    • OSHA compliance
    • Claims reporting
    • Employee communication
    • Legislative updates and more

    Learn More
  • Experience Modification Review

    Accurate Protection provides an in depth analysis of your experience mod. We pinpoint cost drivers, such as frequency and severity, and develop specialized loss solutions to address your business’ specific needs. Call us today to reduce your experience mod and discover competitive advantages available to you.

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What does business insurance really cover?

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47073710 - female hand signing contract.We’ve all heard that story – the “I didn’t know it wasn’t covered” story. People who get in a car accident didn’t realize that they’re not covered for renting a car while their vehicle is repaired, or homeowners find out they aren’t covered for flood damage when they go to file a claim. How do you keep this from happening to you at your business?

Here are some of the specific insurance coverages you may consider adding into your business insurance policy:

General Liability: This is coverage against claims for injury on your business property.

Product Liability: This offers protection in the event of faulty products that lead to damage, illness, injury or death.

Property Insurance: Protects your commercial business property against losses caused by fire, storms, or other damage.

Commercial Vehicle Insurance: Covers damage company vehicles, injury to company employees, and overall provides protection against company liability in the event of an accident.

Workers Compensation: Coverage for your employees in the event of illness or injury at the workplace.

Cybercrime Insurance: This is relatively new type of insurance that can help provide protection in the case of a cybercrime, like data theft or loss of revenue due to a website being compromised.

The biggest key to making sure you don’t have any gaps in your coverage in case of a crisis is working with someone who can learn about your business and make the recommendations that are right for you. It’s important to work alongside an expert to create your policy; it’s equally important to take the time to read and re-read the policy contract to make sure everything you want is there and that you understand all the fine print before signing. While there are plenty more exciting things to spend your time reading in your business day – like soaring sales reports – this document is one of the most foundational in securing your future.

Whether your business is brand new or an established pillar of the community, we can make sure that you’re covered for what you need and ensure there are no gaps in your coverage. To help examine your current coverage or create a custom coverage proposal for your business, call us today.

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Ways to improve fleet safety

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Insurance is essential for any business. Having a plan to protect your assets in case of emergency is one of the ways you can secure peace of mind. One way to help reduce overall 26107744_Mrisk – and your potential for needing to file insurance claims in the first place – is with a comprehensive fleet management program in place. Here are some ways to improve your fleet safety to improve your business and increase confidence in your company.

  1. Increase training opportunities: Training shouldn’t just be an on-boarding experience. A safer fleet starts with understanding risks, and making sure your employees understand them too. Requiring mandatory continued education on best practices, regulations, and technology helps to create more education drivers and safer conditions overall.
  2. Create consequences: Certain things create a much greater risk to your fleet. Driving under the influence of alcohol or drugs, using a cell phone while driving, or using personal vehicle for company business can all create more risk for your organization, so maintaining strict discipline for these types of infractions can discourage these actions and help make your fleet safer.
  3. Rank your risk: One way to reduce is to rank drivers based on a custom risk profile, and then allocate resources to higher risk situations.
  4. Use technology to train: Having hard statistics can help you create better training materials. Using technology and driving monitoring programs can help your company see the whole picture – speeds, braking, gas efficiency – can focus your efforts on what areas could benefit from specific training.

Accurate Protection is proud to offer risk management materials to all of our clients, with educational benefits to strengthen and support your business, including information on fleet safety, pre-incident planning, workplace safety, and claims mitigation. For more information on how we can help to manage and reduce your business risk, get in touch today.

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What you need to know about workers compensation insurance

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44315690_MAccidents can happen anywhere. That’s why it’s crucial that business owners everywhere take workers compensation insurance seriously and understand that it’s a crucial part of your business foundation and not just a nice-to-have benefit or an unnecessary perk. Here are some of the most important things to know about workers compensation insurance.

Injuries happen more often than you think.

You don’t have to work in a hazardous job to be at risk for work injuries. If an employee slips on a freshly washed office floor, you could be on the hook for their injuries. Even if the employee was partially responsible for the injury, they can often still receive employee compensation.

Workers compensation covers more than medical bills.

Workers compensation can cover injuries, loss of limbs and chronic illness caused by a work environment; medical treatment for work related illness, injury or ailment; rehabilitation; lost wages and more. It’s important to understand what workers compensation covers so you can get the right policy for your business and protect both your business assets and reputation.

You can reduce workers compensation claims by providing safety training.

It’s important to use preventative tools to help minimize risk in the workplace. Scheduling training for new employees and ongoing safety meetings for all employees is a good first step, no matter how small your business is. You should also regularly inspect the work environment and equipment to ensure it doesn’t pose any hazards to your staff. Displaying safety reminders and tips can also be helpful.

State requirements vary.

But no matter what kind of business you run, you still need basic workers compensation coverage. Georgia employees are covered from their first day on the job. You can find out more on what Georgia law says about workers compensation here.

No matter what industry your business is in, if you have any employees, you and your business are protected by having workers comp coverage. Navigating the ins and outs of coverage can be tricky, and Accurate Protection is here to help. We’re insurance experts, so we can help you walk through setting up the coverage you need. If you’ve got questions or want to get a proposal, get in touch today. We’re here to help.

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The importance of planning for businesses

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When you hear the words “business plan,” you probably immediately think about mission statements, corporate goals, sales quotas and marketing KPIs. While these are all invaluable in terms of pieces of the business to plan for to ensure success and continuity, there are businesses that fail to plan in crucial areas. Namely, emergency and contingency planning.

No matter the size or age of your business, here are some of the most important questions to ask to ensure that there are no gaps in your planning.90443453_M

  1. Do you know what your insurance covers? Many businesses will hire a firm to ensure that they have the minimum insurance in place to legally do business or instruct them to find a plan that will keep them under budget. Insurance is one area you don’t want to scale back your budget for. While it may seem like a lot to spend on a service you hope to never need, if you need it and don’t have it, could your business survive it? Assess your coverage amounts regularly and make sure they still match the size of your staff and the size of your sales growth.
  2. Do you have an emergency plan in place? Hopefully you have all the appropriate liability insurance and property insurance, as well as worker’s compensation plans, but do you conduct regular safety meetings? Cybersecurity procedures and training? Fire drills? CPR training? These aren’t traditionally thought of as part of the business plan, but they are a crucial part of having a well-prepared business. Understanding how these areas can affect your business can help you organize and plan for a more secure future.

Our services can help you plan for and even potentially prevent just about any threat. We can protect your assets and your business, plus help you and your employees understand the importance of planning beyond quarterly goals for the health and success of your business long-term.

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The value of value-added services

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Our business is protecting your business. We have the expertise to ensure the personal and professional assets that are most precious to you, from home to life to business, are protected. This54035079 - dictionary definition of value-added. protection allows you to know that the investments you’ve made in life are solid and that your hard work can pay off into the future.

We also know that risk management doesn’t stop at insurance. Just like cars have insurance against damage in an accident, they’re also available with warranties to provide protection against breakdowns or mechanical failures, plus built-in features to protect against theft. These additional services and features add value to the whole package, helping keep you on the road for longer. Similarly, we offer several value-added services that protect you from the risks that insurance might miss. Here are some to consider:

  • Safety Programs: A safe workplace is a successful workplace, and safety is everyone’s responsibility. The best businesses know that they have to make safety training a priority, and our safety program service allows you to customize safety materials that can create a safer, healthier workplace that benefits everyone.
  • OSHA Compliance: OSHA’s standards and practices can change quickly, and our compliance services help you stay on top of the must-know information to be able to prepare for and pass OSHA inspections successfully to help keep your business running with no downtime.
  • Fraud Protection: We can help you learn what policies and procedures your business needs to protect itself from fraud and walk you through the process every step of the way.
  • Communication and Connection: We offer access to extensive business databases that can help you understand and mitigate risks, shape policy and strategy, and communicate to employees with newsletters, posters and more.

As your partner in business, this is just a handful of additional ways we can help your organization beyond insurance solutions. See our other risk management solutions and value-added services here.

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