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Proud Member Of Home Builders Association Of Georgia
From the first site visit to completed work, your insurance should reflect how you build. Start with the coverage questions that matter to your operation.
A member of Georgia’s building community
The Home Builders Association of Georgia is a trade organization focused on the environment for affordable housing and the businesses that build it.
The Southern Agency participates as a member. We help builders discuss project exposures, business coverage, and contract requirements based on their own operations.
Insurance considerations
Changing projects
A new build, a renovation, and a completed home can need different insurance treatment. Review when coverage starts, changes and ends.
People on your jobsites
Employee payroll, subcontractor agreements, and certificates deserve a coordinated review. A certificate alone does not change a policy’s coverage.
Your business beyond the build
Vehicles, stored materials, equipment, and office property can fall outside the protection you arranged for an individual project.
Industries
Georgia’s homebuilding businesses take on different roles. Choose the guide closest to the work you perform, rather than the association you belong to.
- Single-Family Home BuilderFor Georgia builders coordinating new homes, project values and responsibilities that continue after a sale.
- General ContractorFor businesses managing several trades, subcontractor agreements and insurance requirements across Georgia projects.
- Residential RemodelerFor additions and renovations where existing structures and an occupied home change the project review.
Policy types
Start with project protection, then review the continuing needs of the business. Requirements depend on your work, contracts and where your people operate.
- Builders Risk InsuranceBring the Georgia project address, completed value and schedule; ask when protection for the structure and materials begins and ends.
- General Liability InsuranceReview jobsite injury, damage to others’ property, and completed operations against the work your business performs.
- Workers Compensation InsuranceDiscuss payroll, job classifications, and subcontractor arrangements, and check the requirements applicable to your employees.
- Business Auto InsuranceAccount for work trucks, drivers, and business use of vehicles as crews move between projects.
- Inland Marine InsuranceReview tools, mobile equipment, and materials in transit or off-site storage instead of assuming the project policy includes them.
