• Policy includes loss of business income coverage at no charge.
• Your property is covered for replacement cost. There is no deduction for depreciation.
• Your covered property includes: building improvements and betterments.

• Policy includes personal injury coverage at no charge.
• Policy provides coverage if you are responsible for damage to the building you rent or lease.
• Basic policy provides limits of $2,000,000 / $4,000,000 of coverage, including optometrists professional liability.(separate limits per doctor apply for healthcare provider compliance).

• Preferred rates
• Includes employer's liability

• Policy can provide up to an additional $5,000,000 over and above the liability and professional coverage.

• Special coverage for computer equipment.
• Liability coverage for rented and non-owned autos.
• Valuable papers and records.
• Employee dishonesty with ERISA option.

Payment Plan

• All of your policies are combined into one easy monthly installment plan.

Automation

• Setup your own Auto-Owners account online to access your policy information, billing, and claims.

GOA INSURANCE DISCOUNTS

Berger & O'Neal is recommended by the Georgia Optometric Association to provide its members with a group discount on their business and personal insurance.

Because of your membership in the GOA, you are now eligible for a 10% group discount. This is possible because of an arrangement between Berger & O'Neal Insurance Group and Auto-Owners Insurance Company.

You can compare and then buy with confidence knowing Auto-Owners is recognized as a leader in financial strength and stability throughout the insurance industry. In addition to competitive rates, a complete line of products and prompt friendly claim service, you may now be eligible for this additional discount on the following types of business insurance:

• Business Properly
• Business & Professional Liability
• Workers' Compensation
• Commercial Auto
• Umbrella Liability
• Homeowners
• Personal Auto
• Umbrella
• Watercraft

As a member of The Georgia Optometric Association Incorporated this outstanding discount benefit can be yours. Please call us at 770-442-0770 or take advantage of our special GOA Quote Form for a no obligation proposal or contact your current Auto-Owners agent and have them add the GOA discount to your policies.

Join the GOA and receive your insurance program discounts plus all of the other great member discounts.

BENEFITS TO YOU

• Administered by a major insurance company known for its stability and financial strength so you can concentrate on your business rather than your insurance company's ability to pay a claim.
  
  
• Especially designed and discounted in order to lower your insurance costs. Expense savings translate directly to your bottom line.
  
  
• Claims handled quickly and fairly by company adjusters. No waiting around for days for an independent adjuster to contact you about your claim.
  
  
• Broad coverages and high liability limits offer you peace of mind in knowing your business has the best protection available.
  
  
• Serviced by a knowledgeable Georgia agent with over 30 years experience in commercial lines. Your time is freed up to work on your business rather than your insurance program.