Skip to content

GOA Members, enjoy competitive rates and trusted advisors

Berger & O'Neal Insurance Group is endorsed by the Georgia Optometric Association to provide its members with a group discount on their business insurance.  This is possible because of an arrangement between Berger & O'Neal Insurance Group and Cincinnati Insurance Company.

You can compare and then buy with confidence knowing Cincinnati 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 are eligible for this discount on the following types of business insurance:

  • Business Property
  • Business & Professional Liability
  • Workers' Compensation
  • Commercial Auto
  • Umbrella Liability

Woman Wearing Glasses


Benefits to You

  • Administered by an insurance company known for its stability and financial strength.  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 40 years’ experience in commercial insurance. Your time is freed up to work on your business rather than your insurance program.

Child Wearing Glasses


Coverage Benefits

Property

  • Policy includes loss of business income coverage at no charge.
  • Your property is covered for replacement cost. There is no deduction for depreciation.
  • You could be eligible for a 3 year policy and 3 year premium guarantee.

Liability

  • 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.

Optometrist’s Professional Liability

  • Optometrists Professional Liability limits of $2,000,000 / $4,000,000.
  • Separate limits per doctor, and Business is available for healthcare provider compliance.

Workers Compensation

  • Preferred rates
  • Includes employer's liability
  • No annual Audit for premiums under $1,000

Umbrella Liability

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

Extras

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

Payment Plan

  • All of your policies are with one company and can be combined into one easy monthly installment plan.

Automation

  • Setup your own Cincinnati account online to access your policy information, billing, and claims.

Call us at 770-674-3095 for a no obligation proposal.


Child Wearing Glasses