Why Every Contractor in Athens, GA Needs a Trusted Insurance Partner
Being a contractor means every day is different—and so are the risks. Whether you’re managing a job site, hiring subcontractors, hauling equipment, or juggling client deadlines, your business depends on more than just tools and talent. It depends on protection.
At Larry Baumwald Insurance Agency, we work closely with contractors across Athens and Northeast Georgia to help them understand their exposures—and more importantly, to make sure they’re properly covered.
Risk Isn’t Always Obvious—Until It’s Too Late
We’ve seen it happen too many times:
A contractor thinks they’re covered, only to find out during a claim that something critical was missing—like coverage for rented equipment, employee injuries, or faulty workmanship.
That’s why having a local insurance professional review your policies isn’t just a smart move—it’s essential.
When you partner with our agency, we do more than just sell you a policy. We take time to understand:
✔️ What kind of work you do (residential, commercial, specialty)
✔️ Whether you use subcontractors
✔️ Your payroll and number of employees
✔️ Your equipment and tools
✔️ How your contracts are written (yes, that matters too)
Coverage You May Be Overlooking
If you’re a contractor, here are a few key coverages you should have reviewed today:
General Liability – Covers property damage or bodily injury claims. But did you know not all GL policies are the same?
Workers’ Compensation – Required by law if you have employees, but also critical if a subcontractor gets hurt and tries to come after you.
Tools & Equipment (Inland Marine) – Your tools move with you—your coverage should too.
Commercial Auto – If you or your crew drive company vehicles, personal auto insurance won’t cut it.
Umbrella Liability – When a lawsuit exceeds your primary policy limits, this kicks in to protect your assets.
We also offer coverage for errors & omissions (E&O), builders risk, installation floaters, and bonded projects.
Why Choose Larry Baumwald Insurance?
We’re not a call center. We’re your local, independent agency right here in Athens. Our team has worked with contractors for decades—electricians, roofers, HVAC techs, landscapers, framers, and general contractors—so we know the right questions to ask and the right coverage to recommend.
And because we’re independent, we compare quotes from top-rated insurers to get you great coverage at a fair price.
Let’s Build a Safer Business Together
Call us today at 706-353-8444 or visit www.baumwald.com to schedule a free policy review. We’ll walk you through your current risks, identify gaps, and create a plan that protects your business from every angle.
You focus on building Athens—we’ll make sure you’re protected while you do it.
📞 Call us: 706-353-8444
📧 Email: dustin@baumwald.com
🌐 Visit us: www.baumwald.com