• 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 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 $1,000,000 / $3,000,000 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.

GOA INSURANCE DISCOUNTS

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

• Commercial Auto
• Business Properly
• Business & Professional Liability
• Workers Compensation
• Umbrella Liability

As a member of The Georgia Optometric Association Incorporated this outstanding discount benefit can be yours. Please call us at 866-442-0770 or take advantage of our special GOA Quote Form for a no obligation quote.

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 25 years experience in commercial lines. Your time is freed up to work on your business rather than your insurance program.