GOA Discounts

Berger & O'Neal Insurance Group

GOA Discounts

Berger & O'Neal Insurance Group 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.

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.

Coverage Benefits


  • 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).

Workers Compensation

  • Preferred rates
  • Includes employer's liability

Umbrella 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.


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