SPECIALTY INSURANCE PROGRAM FOR
Home Builders Association of Georgia Members
The Southern Agency is proud to offer specialized insurance programs exclusively designed for members of the Home Builders Association of Georgia (HBAG). With deep industry expertise and a longstanding relationship with HBAG, our programs provide tailored protection to meet the unique needs of the homebuilding and construction industry.
Proven Expertise. Local Presence. Industry-Specific Solutions.
Specialized Coverage Options
- Builders Risk Insurance (HBAG Endorsed) – Our HBAG-endorsed Builders Risk insurance stands out by offering the unique advantage of returning unused prorated premiums when projects are completed early. This ensures cost efficiency and incentivizes timely project completion.
- General Liability – Our general liability coverage protects against third-party claims involving bodily injury, property damage, and other potential liabilities. We have a proven track record of delivering significant premium savings compared to standard market rates.
- Workers Compensation – Our tailored workers compensation programs not only comply with legal obligations but also offer substantial premium reductions, protecting both your employees and your financial stability.
- Commercial Auto Insurance – Construction and building professionals often rely heavily on commercial vehicles. Our commercial auto policies provide thorough coverage tailored to the unique risks associated with transportation in the construction industry, protecting your fleet and drivers comprehensively.
- Property and Building Coverage – We offer extensive coverage options for your physical assets, from offices and storage buildings to other critical facilities. Our policies ensure that your assets are secure against damage, theft, or loss, maintaining operational continuity.
- Lessors Risk Insurance – If you lease properties to other businesses, our lessors risk insurance protects your investment. Coverage ensures your rental income remains secure and that your properties are protected against various risks.
- Contractors Equipment Insurance – Our specialized contractors equipment insurance covers the tools and heavy machinery critical to your operation, protecting your investments from theft, accidental damage, and unexpected losses.
- Umbrella Insurance – Umbrella insurance provides an essential safety net beyond the standard liability limits. It extends coverage, safeguarding your business from catastrophic claims and offering you additional financial security.
Additional Coverage - Living Benefits Insurance
Our innovative Living Benefits Insurance policy offers comprehensive coverage tailored to meet life's unexpected challenges. This unique policy ensures financial stability in three essential scenarios:
- In the event of premature death,
- If you outlive your financial planning, and
- During significant life events requiring immediate funds.
Comprehensive Business and Personal Insurance Solutions
In addition to our specialty programs for HBAG members, The Southern Agency also provides a wide array of comprehensive business and personal insurance solutions.
- Business Insurance: Our business insurance covers essential risks like professional liability, cyber liability, and employee benefits, ensuring robust protection for your business operations.
- Personal Insurance: Our personal insurance offerings include customizable policies for homeowners, auto, renters, flood insurance, and other personal coverages to protect your personal assets and provide individual peace of mind.
