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Business Insurance

Minimizing uncertainty and providing security is our goal in designing your commercial insurance program.  We do this by thoroughly evaluating your business, identifying risks, recommending loss control programs, coordinating appropriate coverage and providing rapid service.


Watkins Insurance Agency has a variety of business coverage options to fit your needs.


Need a business quote? Please email us at


Garage Insurance:

Garage Insurance – Commercial auto policies designed to address the needs of business in the auto industry.


  • Garage Liability – Insurance covering bodily or property damage caused by an accident arising out of garage operations.

  • Garage keepers Coverage – Coverage provided under a garage policy for liability exposures to damage of customer’s autos that are in the insureds care, custody or control. You can choose coverage that pays only for damages you’re legally liable for or coverage that pays for damages to your customers vehicles regardless of your legal liability.

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Machine Shop & Fabrication:

Machine shops provide a wide variety of services and products to their customers. The machine shop you own may produce unique merchandise for your customers to sell or it may focus on providing services. Metal Working companies have specialized needs that covers a variety of risks. Watkins Insurance designs customer insurance programs tailored to your specific needs.


  • Workers Compensation

  • General Liability

  • Property Converge

  • Automobile

  • And More


Specialized Insurance:

Churches, contractors, restaurants, marine coverages, license & permit bonds, fidelity & surety bonds, wholesalers, manufacturers, retailers, and many more!


Workers Compensation:

Contractors are responsible for providing this coverage for employees but may also have the exposure because of subcontractors who have not provided workers’ compensation insurance for their employees. This exposure can be avoided by insisting that subcontractors carry appropriate workers’ compensation insurance.


Business Liability:

Insures against bodily injury, property damage, personal injury, and advertising injury. Includes fire legal liability, premises liability, medical payments, and products and completed operations.


Commercial Property Insurance:

Insures against bodily injury, property damage, personal injury, and advertising injury. Includes fire legal liability, premises liability, medical payments, and products and completed operations.


Commercial Auto Insurance:

Personal auto policies exclude autos used for Commercial and Business purposes and would therefore require coverage on a policy designed for such use. If you use your automobile in business be sure your have the right policy and coverage is not excluded.


Commercial Umbrella Insurance:

Takes over where your basic automobile and general liability or other liability coverage stops.



We specialize in providing Georgia small and large businesses with the following types of bonds:

  • Contract Bond – guarantee that an entity awarded a contract will meet its obligations under that contract. Included in this group are bid bonds, performance bonds, payment bonds, maintenance bonds, and supply bonds.

  • Subdivision bonds – guarantee that developers will make certain ‘off site” or “public” land improvements in accordance with state, county or municipal specifications.

  • Commercial Surety Bond – can guarantee a variety of business obligations which require surety bonds. Commercial Surety Bonds include all non-contract surety bonds including numerous types of license and permit, miscellaneous and court bonds.

  • License & Permit Bonds – guarantee that individuals granted a license or permit to operate a business or to exercise a privilege will meet the obligations under that license or permit.

  • Court Bond – guarantees that an individual will comply with the terms of the court. This includes probate and fiduciary bonds & immigration bonds.


Contractors Insurance:

We specialize in providing contractors general liability insurance and other coverages vital to contractors including builders risk insurance, commercial auto coverage, and insurance for tools and equipment. Contractors Insurance can be very confusing at times, so we are here to assist you through the process of selecting the right coverage from the right company. We have many years in the construction insurance industry to evaluate your risk and solve the coverage needs your construction company.


General Liability Insurance:

This liability insurance will protect you from most claims that would arise from the day to day activities. This includes the activity of running a business and the type of accidents that would occur at a job site.


Tools and Equipment:

Hand tools are normally covered on a blanket basis with no list or schedule. Equipment Insurance will protect your larger tools and equipment such as welders, generators, nail guns and other expensive portable equipment.


Restaurant Insurance:

Physical damage insurance is for property under construction. Lenders will require it before issuing construction financing. They will usually require this coverage before funding remodeling projects as well and some policies can be endorsed to include the structure being remodeled also.


Builders Risk:

We specialize in helping restaurants with their insurance and risk management. Being in the hospitality business is different than many other businesses, and we understand those differences. Our agents are able to develop insurance and risk management programs for our clients to meet their specific exposures. With our knowledge and experience in insuring restaurants, we know what coverages are critical and what coverages are merely desirable. Our objective is to provide each restaurant with a customized insurance program at the lowest possible price.

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