The Sanford Group has served businesses and individuals in Georgia since 1999.
Learn About The Sanford Group
The The Sanford Group has been providing insurance solutions to Georgia residents and businesses since 1999. Since we are an independent insurance agency, we represent a variety of insurance companies. This allows us to compare rates and coverage for each insurance company to help you find insurance for yourself, your family, or your business based on value, service and coverage. One of our specalties is contractor insurance in a variety of specialties including general contractor, carpenter, HVAC contractor, plumbing contractor, and flooring contractor.
Our team at The Sanford Group can assist you with the insurance you need, whether you’re looking to bundle home and auto policies, start a new business, or purchase life insurance. Let’s work together to find solutions to address your insurance coverage needs.
Read Our Agency Reviews
“I’ve been with The Sanford Group for all of my insurance needs for at least a decade, and Louise and the rest of the staff have always met or exceeded my needs, and done so cheerfully and respectfully!”
Work With Us for Your Insurance Needs
The Sanford Group offers a variety of insurance by industry, personal insurance, and business insurance solutions to help you protect what matters most.
The Sanford Group is located in Ball Ground, GA, and we are proud to serve businesses and individuals throughout Georgia, including including all major cities and the Atlanta area such as: Alpharetta, Marietta, Cumming, Ball Ground, Canton, Jasper, Woodstock, Dawsonville, GA, and more.
The Independent Agency Advantage
What makes our independent insurance agency different?
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
We are by your side every step of the way.
We are licensed insurance advisors.
An Independent Agency Gives You Options
We proudly represent Progressive, Grange, and more!
As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.
Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.
When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.
Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.
As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.
A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.
Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.
Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.
If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.
Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.
Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.
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Manage Your Policies
Already a client of The Sanford Group? Visit our Service Center to make requests and manage your insurance.
- We are here, serving the needs of Ball Ground, GA, and the state of Georgia.
- We work for you when you have a claim.
- We are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.
- We are your consultants, working with you as you determine your needs.
- We are value-hunters who look after your pocketbook in finding a combination of price, coverage, and service.
- We offer many products, including contractors, home, renters, auto, business, and life.
- We can periodically review your coverage to keep up with your changing insurance needs.
- We are committed to customer satisfaction—it’s the key to our livelihood.
- We treat you like a person, not a number.
- We are licensed professionals with strong customer and community ties.
Our Clients Rave About Us
Check out our reviews and see why you should switch to The Sanford Group.
“The folks at the Sanford Group have always been there for me. Louise helped me find a product that protects both my company and my customers at a reasonable cost. Proof of insurance is usually provided to my clients within a couple of hours. Very good service.”
“These folks have insured my home and vehicles for the last six years. They have covered cars, trucks, motorcycles, an RV and an antique car too. Gave me several options each time, suggesting various coverage amounts and payment plans. They answer any questions I may have quickly and completely. Competent people doing a great job. Highly recommended!”
“I have been a customer of the Sanford Group for over 10 years. I have my home, auto and business insurance with them. I couldn’t be more pleased with everyone there. Very quick responses to any need I have ever had. I highly recommend them.”
“I would recommend The Sanford Group for your insurance needs. They are very responsive and do a great job of shopping our coverages each renewal to insure we are getting the best coverage for our money.”
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