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O'Mahony Insurance Agency, LLC

2942 Vineville Ave.
Macon, GA 31204

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Featured Insurance Blog

Do Private Contractors Need Umbrella Insurance?

As a contractor, you know that you need to protect your business against the unexpected, but it can be tough to figure out exactly what type of insurance makes sense for your business. At O’Mahony Insurance Agency LLC, we’re proud to serve Macon, GA area contractors with the coverage necessary to keep your business running.

Umbrella Insurance Considerations

Consideration #1: Contracts

Often, private contractors choose to purchase umbrella insurance because it’s required by a client. This is especially common when working with businesses and large organizations. If one of your contracts requires umbrella insurance, be sure to note the required coverage amount to ensure that you’re staying within the limits of your agreement. 

Consideration #2: Claim Frequency Potential

No matter how safe you work to stay on the job, private contractors are more likely to have to utilize insurance policies due to the nature of your work. Contractors don’t just have to shell out if something goes wrong–you’ll also need to pay for any damage caused by an accident, which can add up quickly. 

Consideration #3: Litigation Likelihood 

Unfortunately, construction can be a tough business when it comes to legal issues, and it’s important to ensure that your business is prepared. Umbrella insurance can work to give you the peace of mind you need to focus on your business without worrying about your insurance coverage.

Consult With Us

As a Macon, GA contractor, it’s key that you have the umbrella insurance coverage that you need to keep your business protected. Reach out to O’Mahony Insurance Agency LLC today to learn how we can provide you with the coverage you need. 

Does Water in Your Basement Necessitate a Home Insurance Claim?

Stepping into the basement and seeing inches of water is enough to make any homeowner panic. Thankfully, homeowners insurance may cover the damage to your basement in some situations. At O’Mahony Insurance Agency LLC, serving the greater Macon, GA community, we’re here to provide you with the home insurance coverage that you need to rest assured that your home is protected. 

Home Insurance and Basement Water

If you have water in your basement and are interested in filing a home insurance claim, it’s important to talk directly with your home insurance company to learn more about your coverage. Typically, homeowner’s insurance policies cover damage to basements due to water that comes from burst pipes or broken plumbing appliances (such as a leaky washer).

It’s important to note, however, that insurance typically only covers damage to the home and not the appliances that caused the damage. Basement water issues due to negligence (such as neglecting to fix a sink that’s been leaking for some time) are also typically not covered by home insurance policies. 

Water in the basement that comes from flooding or groundwater after heavy rains is typically not covered by home insurance policies. Generally, if the water in your basement is caused by an issue within your home, it’s usually covered by homeowner’s insurance. If the water is caused by an issue outside of your home, it’s typically not covered. 

We Can Help!

At O’Mahony Insurance Agency LLC, we’re proud to serve Macon, GA homeowners with the policies that they need to rest assured that their homes are protected. Reach out to us today to learn more about how we can help.

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