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GOA Members, enjoy competitive rates and trusted advisors

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 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 are eligible for this discount on the following types of business insurance:

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

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Benefits to You

  • Administered by an insurance company founded in 1916, 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 lines. Your time is freed up to work on your business rather than your insurance program.

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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.

Optometrist’s Professional Liability

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

Workers Compensation

  • Preferred rates
  • GOA program discount included
  • 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
  • Data Compromise

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.

Call us at 770-442-0770 for a no obligation proposal.

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