Construction Insurance Policies (You Needed Yesterday)

Artisan Contractor Insurance for your Business


The foundation of success in any business is security and stability. For a contractor, that means partnering with independent risk advisors like those at R & R Insurance Group. We understand how important it is to keep things running smoothly on a project, even in the face of equipment malfunction, employee injury, or job site accidents.

We safeguard your workers, your projects, and your financial future with customized insurance coverage designed to fit your business’s unique needs and goals.



Property Insurance


  • Contractor’s equipment- coverage protecting the equipment used on projects, both while on the job site, and in transit or in storage. From hand and power tools to generators and compressors, we provide options to cover the value of loaned, rented, or owned contracting equipment.


  • Builder’s risk- coverage that protects your supplies, materials, and the structures you work on for all kinds of jobs from beginning to end.


  • Contractor’s amendment of pollution exclusion- this coverage protects your liability for property damage or bodily injury related to the accidental pollution of a job site by the contractor.


  • Equipment breakdown- If your equipment malfunctions, breaks down, or is lost or damaged, this coverage not only covers repair or replacement, it compensates you for the loss of income you may experience due to work delays, the value of contaminated products, or any unforeseen expenses incurred as a result of the breakdown.

Contractor Insurance Policies | R&R Insurance Group


  • Employees’ tools- insurance covering the loss or damage of employee-owned tools, up to $1,000 per tool and $25,000 per occurrence.


  • Property off-premises-  coverage that protects your business property while it is away from the described premises. This can be expanded to include electronic data up to $50,000.


  • Installation- business property insurance that also covers property you intend to install somewhere away from your primary location of business.




  • Contractor’s errors and omissions- coverage against claims for damages that result from an error or omission made by you or an employee in your work. Provided on a claims-made basis, this coverage has available limits up to $1,000,000/$1,000,000.


  • Additional insured- blanket additional insurance coverage required by permit or contract agreement, covering those for whom you work, business equipment, or the people from whom you rent or lease your business premises.


  • Primary noncontributory- to help you comply with construction contracts which require it, we offer primary and noncontributory coverage for an additional insured.

Landscape Company Insurance policy | R&R Insurance Group


  • Limited pollution –liability coverage for property damage or bodily injury caused by the use, application, or storage of herbicides, pesticides, or fertilizers by landscape gardeners.


  • Construction projects- with a general aggregate per project, this coverage applies to individual construction projects with separate aggregate limits.


Additional Coverages


  • Workers compensation- coverage for an injured employee’s medical costs and lost wages, including return to work support, for jobsite or workplace injuries.


  • Cyber liability and data breach- coverage for the cost of securing legal defense, notifying affected clients, and managing public relations if any sensitive data is compromised.


Commercial Vehicle Insurance | R&R Insurance Group
  • Commercial automobile- vehicle insurance that covers physical damage, as well as liability in the case of collisions or accidents.  


  • Umbrella- coverage that goes beyond general liability and commercial auto limits, to provide additional protection for your contracting business in the event of a lawsuit or large claim.

Protecting You by Dealing with Accidents Before They Happen


As independent risk management advisors, R&R Insurance Group works with you to protect your income, property, and employees, by conducting a smart assessment of your business and any potential exposures to risk.

Free Risk Assessment by R&R Insurance Group

We then make practical recommendations that allow you to mitigate those risks and avoid problem situations before they can occur.


R&R Insurance Group Provides the Best Possible Result for Every Claim

Our job is to be there when you need us, to provide you with advice and solutions, and to make all aspects of the insurance claims process as smooth as possible. We will manage your claim with experience, knowledge, and courtesy.

We keep the lines of communication open and will always make sure to inform and reassure you, so that you can concentrate on business as usual, confident that we will deliver the best possible outcome.


Call us today, (706) 991-9832, for a no strings attached Free Risk Assessment of your business.

Donnan Oyler Image.jpg

We will review and offer solutions:

  • Loss Controls

  • Worker’s Compensation Discounts

  • Reduce Premiums

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Restaurant Insurance Policies You Need (ASAP)

Getting started in the restaurant business is exciting, and possibly a little bit scary. Making sure that you are thoroughly covered in the event of unforeseen disaster will not only safeguard your future, it will give you peace of mind in the present.

Restaurant Insurance Policies Needed ASAP

The Business Owner’s Policy

All businesses, no matter the type, need to be covered by a Business Owner’s Policy, which is a combination of three essential types of business insurance: Property, Liability, and Loss of Income.

Property Insurance

Property Insurance will protect you against damage to restaurant property. If a leaky pipe rots the flooring by the dishwasher, or a freak hail storm tears up your roof, you will be able to afford the necessary repairs and replacements.

General Liability Insurance

General Liability Insurance covers you in the case of a customer claiming bodily injury or damage to their property due to their interaction with your restaurant, e.g. a broken leg from a slip-and-fall accident, or a full-length fur that gets damaged in the coat room. These kinds of claims can range from less than a hundred dollars to multi-millions, so you’ll want to be prepared.

Loss of Income Insurance

Loss of Income Insurance protects you so that a disaster such as flood or fire won’t put you out of business. A big enough property insurance policy may allow you to rebuild your restaurant from the ground up, but it won’t make up for the loss of income you’ll experience during construction.

Food and Drink Policies


Insurance coverage related to food and drink protects the heart of what gives your restaurant meaning.

Food Contamination Insurance

Food Contamination Insurance will cover your costs if you have to replace all your produce due to an e-coli recall, or if all the meat in your refrigerator goes bad after a power outage in the heat of August.

Liquor Liability Insurance

Liquor Liability Insurance protects you in case a customer who gets drunk at your establishment causes accident or injury due to intoxication after they leave.

Employee Theft Insurance

Employee Theft Insurance

Employee-related Insurance

Employee Theft Insurance covers all forms of employee dishonesty, from inventory stolen from you, to a credit card number stolen from a customer.

Worker’s Compensation Insurance

Worker’s Compensation Insurance is required in Georgia for any business with three or more employees, and that’s a really good thing. Anyone could get injured on the job—even you—and this coverage will make sure that all those unexpected medical and rehabilitation bills are paid for.

Employment Practices Liability Insurance

Employment Practices Liability Insurance protects you in case a former employee sues you for improper termination, discrimination, or harassment. Considering the high turnover rate in the restaurant industry, this is smart coverage to have.

Vehicle Insurance

Commercial Auto Insurance

This one may or may not apply to you, but if you have any company vehicles, or if your restaurant delivers food to customers, you’ll need Commercial Auto Insurance.

R & R Insurance Group can help you find the right combination and level of insurance coverage for your restaurant, making sure your dream stays a reality for you and your hungry customers.

 If you have any questions regarding your current policies, please feel free to reach out to me.

Thanks for reading,


Donnan G. Oyler, President
Phone: 706-991-9832

10 Shocking Things Covered by Your Homeowners Insurance

Might Surprise You!

Volcano Eruption

Homeowner’s Insurance doesn’t only protect your assets, it protects your day to day quality of life, by making sure you will continue to have a safe and comfortable place to lay your head. Some of the things it covers are only a little unexpected, such as loss of use, which will pay for storage, transportation, hotels, and any other expenses incurred because you’re unable to live in your home while it’s being repaired. Some other things covered by your homeowner’s insurance are downright shocking—like the volcanic eruption that made your home unlivable in the first place.

Keep in mind that homeowners insurance policies aren’t made on an assembly line in a factory, so don’t gamble on anything being automatically included, or on the coverage limits or deductibles automatically matching up with your preferences. Talk to your insurance agent to be sure that you have the volcano coverage that you need.


Animal Stampedes

It may sound like an animated cartoon scenario, but animal stampedes do happen, and when they do, you’re going to need some serious cash to cover the damages.


Crime Scene Cleanup

Let’s say a murderer breaks into your home while you’re on vacation and uses it for a two-week killing spree. There’s going to be a lot of blood, and when the police are done processing, you’ll be left with the cleanup—and this is going to be some really nasty cleanup. The good news is there are professionals who do this for a living, and your homeowners insurance will foot the bill.


Identity Theft

This one is a little easier to imagine happening—in fact, most of us genuinely fear of having our identities stolen. If it does happen, and your homeowner’s policy covers it, you’re all set to call the best lawyer in the field without worrying about the hourly rates.



No one expects a riot, but they do happen, and if your home is caught in the middle of one, there’s going to be a big mess.



Have you ever put your foot in your mouth in such a major way that you briefly feared you might get sued? Well, many homeowners policies will cover a slander lawsuit, even if you badmouthed someone while away from home.


Counterfeit Money

Counterfeit Money

Counterfeit money may seem like another cartoon scenario, but if you’ve ever had a retail worker use a money marker to verify a fifty-dollar bill, then you’ve seen proof that counterfeit money is an actual, real-life problem.


Kidnap and Ransom

With number seven, we’ve moved from cartoons to action movies—but kidnapping does happen, and if it does, you might be asked to come up with a huge amount of money very fast. In 2012, the average ransom demand was two million dollars. Odds are, your policy doesn’t currently cover this. But if you or your family members frequently travel, you might want to talk to your insurance agent about adding it.




Even the sweetest, cutest pets can sink their teeth into someone they view as a threat, but the parents of an injured five-year-old boy are not going to care that their little darling was trying to pick up your cat by her tail and swing her around his head at the time of the bite.


Home explosion


Action movies again! And yet, explosions could theoretically happen to anyone. Thankfully, explosion coverage comes standard on most insurance companies’ homeowner policies.


Meteorite shower


This one sounds like science fiction, but meteorites are literally out there, and can come plummeting to earth, creating enormous craters, at any time. The Lonar Crater in India was formed by a two-million-ton meteorite 50,000 years ago, and if a similar meteorite hit your home today, you probably won’t be too comforted to know that in a few thousand years the crater may be filled with beautiful blue water and surrounded by a lovely forest and charming wildlife. Of course, how you feel about it will depend a lot on whether you were home at the time of impact…

Homeowner’s insurance can save your financial life, and calm your nerves in some of life’s most stressful situations. It’s comforting to know that whether your jewelry was lost on a trip, or the prize piece in your art collection was stolen from your living room, or lightning struck your roof and burned out the whole top half of your house, your insurance coverage will fund replacements and repairs.

How many of these 10 crazy incidents that could be covered by your Homeowners Insurance... did you know?  If you have any questions regarding your current policy, please feel free to reach out to me.

Thanks for reading,


Donnan G. Oyler, President
Phone: 706-991-9832


Lower Your Rates and Save Lives at the Same Time

We're all in this together...

Distracted driving is the greatest cause of auto rate increases in the Southeast—and a rates increase is one of the best things that can happen out of a distracted driving accident. You could total your car, injure yourself or others, or worse—in fact, according to the DMV, distracted driving accounts for nine deaths every day.

Although anything that takes your attention from the road qualifies as distracted driving—eating, changing music, putting on makeup—one of the most common and most dangerous distractions is talking or texting while driving. We are trained to jump every time our cell phones make a noise, so it can be difficult to resist responding, even in situations where we know we shouldn’t. Luckily, there’s an app for that.




This app’s GPS monitoring and reward system can not only help you break your distracted driving habit, it can provide family members of teens or elderly drivers with more peace of mind. LifeSaver blocks you from using your phone while driving, and then notifies loved ones after you arrive at your destination. There is also a dashboard where parents can set up rewards that their teens can earn with safe driving behavior.



This free app automatically tracks the car trips you take, giving you points for every minute that you resist typing, swiping, or taking calls. At 300 points, you get to spin a prize wheel that gives you the chance to win gift cards to Starbucks, Amazon, or Dunkin’ Donuts. Another plus to Mojo is that you can invite friends to compete with you in a safest driving contest.


TrueMotion Family

This is another free app that tracks how safely you’re driving, giving you a trip score that rates your drive and points out moments when you were likely driving distracted. TrueMotion Family can also compare driving scores within families and show you real time locations for family members, as well as trip history—a big plus for parents of teen drivers.


AT&T Drive Mode

This free app will block calls and texts as soon as your car reaches 25 mph, and will send a customizable reply to incoming emails, calls, and texts, letting people know that you can’t respond because you’re driving. You can also create an allow list of five contact numbers that the app won’t block, and 911 can be contacted with one touch at all times.


Apple’s Do Not Disturb While Driving

This one isn’t an app, but rather a built-in iPhone feature that’s free, easy to use, and automated. All you have to do is go into settings and enable the feature, and your phone will silence all notifications, calls, and messages while you are driving, although it will allow calls to come through on hands-free calling. You can customize an automatic reply that will go out to anyone trying to reach you, and in cases of emergency, the person can reply “urgent” to the automated message and you will be notified. Otherwise, all messages and notifications will be hidden from you until you pull over or reach your destination. If you are a passenger in the vehicle, you can just tap “I’m Not Driving” and be free to use your phone.

We hope that you will take advantage of one of these five apps to ensure safer driving for you and your family.  If you would like to learn more about how you can help keep your family safe and lower your auto insurance rates, please call us today at (706) 991-9832 or email us at


Donnan  Oyler


Accidental Needle Stick Injury: Comfort and Compensation

Comfort and Compensation After an Accidental Needlestick Injury

The fear felt after an accidental needlestick injury in the workplace is natural and undeniable for everyone involved, but you can minimize your panic by having a worker’s compensation insurance policy in place, and by taking immediate action.


If you or your employee experiences an accidental needle stick, follow your workplace guidelines for immediate wound care, and make sure you understand what is expected next regarding blood tests, and possible medications to ward off infection. Make sure to report the incident to the manager or supervisor, or the appropriate department in your place of work, such as infection control, or occupational health.

Next, make sure to report the accidental needlestick to your insurance provider, and let the trained claim professionals guide you through the compensation process. A good workers comp insurance policy will pay for the cost of diagnostic blood tests for any patients and employees involved. Once you know if there are any bloodborne pathogens to be concerned with, you can proceed with informed procedures and avoid implementing any unnecessary treatments. In most cases, there will be no infection present in the patient’s blood, and nothing to worry about. In cases where there is HIV/AIDS, Hepatitis B or C, or other infection present in the patient’s blood, knowing exactly what you’re up against will allow you to reduce risk and target treatment.

Source Patient Testing can be completed on-site, or by any lab facility or medical provider the patient chooses, although prompt testing and treatment is always the best course of action. In all cases, test results should be handled according to medical privacy legislation, which includes not sharing information related to Source Patient Testing with the insurance provider.


Bills for both Source Patient Testing and employee testing should be submitted as part of a workers comp reimbursement claim, and a claim professional will help you direct the bill for payment. Your insurance provider will have special procedures for handling these claims to make sure that the patient’s privacy is safeguarded. Like with any other kind of workers compensation injury, professionals will be available to answer questions and help you at every step along the way. Their job is to ease your mind by making sure that the injured employee receives the best treatment for their recovery.

Insurance is all about security, and your workers compensation coverage is there to keep you safe, both professionally and personally.

Donnon Oyler, President

1051 Village Park Drive, Suite 201

Greensboro, Georgia  30642


Meet Rylee Oyler by Josh Hudson

 Rhonda Bradley, owner of Fishtales, is pictured with the Oyler family at the “Coffee for a Cause” event which was held in support of the aHUS Foundation and Donate Life.

Rhonda Bradley, owner of Fishtales, is pictured with the Oyler family at the “Coffee for a Cause” event which was held in support of the aHUS Foundation and Donate Life.

When a young mind has a mission to accomplish, anything is achievable. This is exactly the case for Rylee Oyler, a sixth grader at Lake Oconee Academy. Rylee has had quite the year, after her mother, Robin, donated a kidney to her father, Donnan, in February. During the transplant, it was discovered that Donnan has an extremely rare disease called aHUS (atypical hemolytic uremic syndrome). In his recovery after the transplant, he started an online coffee and tea business, 50 Trails Coffee, with the purpose of drawing funds and awareness to the AHUS Foundation for Disease Research and Donate Life Georgia. Using his transplant as a platform to make a difference, Donnan turned his recovery into a way for him to save or improve the lives of others with transplants or AHUS. Rylee was inspired by her father and decided that she too wanted to help with the company; now, 50 Trails Coffee is a testament to the Oyler family’s resilience and desire to help others

Donnan’s life before his transplant was very limited, as he had trouble traveling or spending time with his family; therefore, Rylee couldn’t have been happier after the transplant to discover her dad becoming more active and free again. Now the family is able to go on family vacations, such as a recent trip to the beach, and spend a lot more time together. Despite the success of the transplant, the experience showed Rylee that people are often scared of organ donation, but Rylee knows and openly shares how one person, through donation, can save or better the lives of up to 70 people.

 Rylee with her mom Robin, dad Donnan, and brother Parker at the recent kick-off for 50 Trails of Coffee at Fishtales.

Rylee with her mom Robin, dad Donnan, and brother Parker at the recent kick-off for 50 Trails of Coffee at Fishtales.

When Rylee learned of her Dad’s idea for 50 Trails Coffee, she knew she had to help out in any way that she could. She advertised the business by word of mouth, through pictures on social media, and by attending events for the business. On July 1st, 50 Trails Coffee had their pilot event and open house at Fishtales; they used this venue to not only expand the business but to give their testimony and to tell the community of the project’s purpose. Rylee took this opportunity to reach out to the community about organ donation, and she led four people to sign up to be organ donors, potentially helping to save or improve up to 280 lives. Rylee’s motto when it comes to organ donation is to “never be afraid because God will always be there to protect you”. This community couldn’t be happier to support the AHUS Foundation and Donate Life Georgia, but we are most proud of the dedication of the Oyler Family. Through the perseverance of Rylee and her family, The Lake Country has become a stepping stone to help save countless lives. 50 Trails Coffee is sold locally at Fishtales, so be sure to get your choice of coffee or tea to support the Oyler family’s cause; the business also sells coffee online at

This article is from Inside The Gates | September 2017

If you would like to make a difference, please purchase coffee on Friday, September 24, 2017 from  All proceeds will go directly to the aHUS Foundation.

Thank you,


Cyber Data Insurance: Food For Thought

Accidents happen!  Restaurant owners have to pay close attention to the many facets of insurance protection from workers’ compensation to theft, fire protection and many others, however, many owners would argue that liability protection has the greatest possibility to shut the doors.  Liability is not measurable.  If your building were to burn down to the ground, you can measure what it will cost to rebuild.  There is hidden responsibility in your liability protection that could make you susceptible if a lawsuit arises.

It will not take long for a restaurant owner to face some come kind of liability claim.  Regardless of how well you have trained your employees, you can’t keep people from claiming food poisoning, chipping a tooth on an olive pit or falling off the curb.  When restaurants offer alcohol to their menu, the risk of a liability claim greatly increase. Now factor in Cyber Liability.  

Cyber liability is a new area of liability that restaurant owners face.  As more customer information is collected and stored by restaurants, the greater the chance of a data breach.  Let’s discuss three common mistakes restaurant owners make in this segment of risk management.

Thinking your IT person has you protected by firewalls.  This is a false sense of security.  Many times the data breach comes honestly from within your own team of employees, by simply opening up a hacked email, downloading malware or throwing away files in the dumpster with sensitive customer information can cause a major security problem.  No matter how well you screen your employees, you can never guarantee the character of any employee.  Theft unfortunately happens.  Your employees play a large role in your cyber security. 


Thinking your general liability policy has you covered.  Most restaurant owners purchase insurance policies that have general liability component built into their policy.  Sadly, they are mistaken when it comes to cyber liability damage loss.  Your general liability insurance policy alone does not protect you from loss or damage.  You must purchase cyber liability insurance for this protection.

Thinking your credit card company vendor is responsible for cyber data breaches.

This is probably the biggest misconception of all.  As the restaurant owner you are still responsible for protecting your customer’s information as it passes through your system. 

Cyber liability happens without warning and can leave you with an enormous financial responsibility as well as damage to your restaurant’s reputation. If you would like to learn more about cyber liability or have general questions regarding your existing policies, please call us at  (706) 991-9832. 

Absolutely not your average insurance company.  Donnan and his team are friendly, knowledgeable and reachable!  R&R is proactive when it comes to monitoring our policies.  As the restaurant industry regulations change, they make certain we always have the right coverage at the best price available.  We highly recommend R&R Insurance.  

Bob Ewing & Jon Joiner
— Bob Ewing & Jon Joiner, Amici Lake Oconee & Amici Milledgeville

Donnan G. Oyler, President
Phone: 706-991-9832