since 1985.
678-894-7842
FAQ's
Personal Insurance
These answers are not a substitute for legal counsel or financial advice.
Why do I need auto insurance in Georgia?
Atlanta, Georgia is consistently rated the among the top 5 U.S. cities with the worst traffic. The Atlanta Regional Commission estimates that a traffic accident takes place in the Metro Atlanta Area every 2.8 minutes costing the region almost $5 billion a year.
Your Lloyd Pro Group insurance adviser can further explain the difference and what coverages are essential for your particular car and driving habits.
How can I save money on auto insurance?
Avoiding accidents and having a clean driving record is the best way to save money on car insurance. But did you know that there are things you can do to lower lower your car insurance rate? Lloyd Pro Group has been selling auto insurance in the Atlanta area for over 20 years.
In addition to getting you the best insurance company for your needs, Lloyd Pro Group’s insurance experts can offer you many tips to save money on auto insurance.
Should I get renters insurance?
Whether you own or rent, you are responsible for your own personal property. Many people -especially apartment renters, are unprepared for theft, damage or a property law suit. Not having renter's insurance to cover these unexpected events can result in financial trauma.
Lloyd Pro Group has been selling renters insurance in the Atlanta area for over 20 years. Our agents can help you identify special riders or additional policies that can maximize your home protection.
Can I afford personal health insurance?
It's no secret that a personal health insurance policy can be expensive. However, the health insurance market is constantly changing its rates and competing for business. If one health insurance company raises your rates, you are likely to find another individual health insurance company who can provide you with cheaper health insurance quotes.
Lloyd Pro Group has worked with several individual health insurance carriers for over 20 years in the Atlanta area. Our knowledgeable health insurance agents can offer you detailed information about different carriers and their policies giving you many different health insurance options.
Should I get life insurance?
While the financial responsibility of protect loved ones and saving for the future can be sometimes overwhelming, you have many options The experts at Lloyd Pro Group can help among several financial strategies designed to protect your assets and secure a comfortable retirement.
Whether you manage your company’s benefits package or your family’s estate, Lloyd Pro Group’s experienced financial advisors can ensure that have the most appropriate plan for your needs.
For more information our Lloyd Pro Group’s insurance services, e-mail us or call us at 678-894-7842.
Business Insurance
These answers are not a substitute for legal counsel or financial advice.
What is the difference between Property and Liability insurance?
Your property is the foundation of your business. Property insurance protects your office building, it's contents and equipment.
Liability insurance is just as important as property insurance to protect your business. If a customer slips and falls while on your property, you need insurance to protect your business from litigation due to personal or bodily injuries.
Your Lloyd Pro Group insurance advisor can further explain the difference and what coverages are essential for your particular business.
What is Umbrella insurance?
Umbrella insurance, also known as excess liability, is designed to give added liability protection above and beyond the limits on the business liability policy. The protection of the umbrella policy kicks in when the limits on the other liability policies have been reached.
Lloyd Pro Group’s insurance experts can review your current coverages and business needs to determine if umbrella coverage is appropriate for your business.
Is my business required to have Workers' Compensation insurance?
Workers' Compensation insurance is required by regulation in most states if you have W2 employees. Workers' Compensation insurance covers medical and disability coverage for work-related injuries or illness.
Talk to a Lloyd Pro Group insurance expert about the appropriate Workers' Compensation coverage for your business.
What is Errors & Omissions insurance?
Errors & Omissions (E&O) insurance may be appropriate for a business owner who gives advice, makes recommendations, suggests design solutions, or represents the needs of others such as consultants.
Lloyd Pro Group will be glad to explain in depth if E&O insurance is right for you.
What is Inland Marine insurance?
This broad type of insurance coverage was designed for shipments that do not involve ocean transport. Inland Marine insurance is coverage for property that involves an element of transportation. The property must actually be in transit or at a fixed location that is a means of transportation, or be a movable type of product that is often at different locations.
For more information our Lloyd Pro Group’s insurance services, e-mail us or call us at 678-894-7842.
Employer Services
These answers are not a substitute for legal counsel or financial advice.
Who is Lloyd Pro Group?
Lloyd Pro Group is an award-winning Insurance provider, Payroll and HR Administrative Service Organization. We provide small to mid-market companies with cost-effective HR outsourcing and payroll outsourcing solutions to help them better manage their human capital.
What is HR Administrative Service Outsourcing?
ASOs are becoming the strategic choice of companies who want to achieve cost reductions while improving their service quality. Outsourcing also lets companies focus on their core business capabilities. HR ASOs represent the next generation of employer services.
What is a "Small to Mid-Market" company?
Businesses with as few as 2 and as many as 2,000 employees are considered small to mid-market companies. If your business is in the small to mid-market, you are an ideal candidate for Lloyd Pro Group’s suite of services.
How is Lloyd Pro Group different than other HR ASOs?
The difference is experience, value, and customer service. We believe we offer the most comprehensive suite of services on the market and at the most competitive rates.
How can your service benefit my company?
By outsourcing non-revenue producing HR functions to Lloyd Pro Group, you will save time and money. Lloyd Pro Group provides you with personal insurance, business insurance, payroll solutions, employee benefits, benefits enrollment, benefits and HR administration and training.
What makes your payroll outsourcing solutions unique?
With Lloyd Pro Group, payroll is easy. Our software enables you to enter your pay data securely, easily and efficiently at any time from anywhere via the Internet. Data entry is done “real-time” so there is no synchronization of data files once you’ve completed payroll entry. Prior to the printing of paychecks or execution of direct deposit, you can view a “preview” register to verify that payroll is perfect every time. Once payroll is completed, you have immediate online access to all reports.
What does your service cost?
Lloyd Pro Group will save you time and money. After we conduct an analysis of your current methodology, our proposal will demonstrate a reduction in your costs for payroll, HR administration and an increase in operational efficiency. Our service pays for itself many times over in terms of both hard dollar savings and the reduction of staff time necessary to support your Payroll and HR Departments.
Is Lloyd Pro Group similar to a Professional Employer Organization (PEO) or an Employee Leasing Firm?
While there are some similarities between our services and those of a high-end PEO, the differences are more important. First, Lloyd Pro Group does not require a "co-employment" relationship, which is the basis of the PEO model. Unlike a PEO, we file our clients' payroll taxes under their own FEIN, not under Lloyd Pro Group’s. Employee Benefits and Workers' Compensation are placed on behalf of each individual client individually as opposed to being merged into one large group in the PEO model. This allows for maximum flexibility in plan design.
How secure is our payroll data and our employees’ confidential information?
While you have immediate web access to your payroll and employee information, this confidential data is stored on Lloyd Pro Group’s secure server, not on your local drive. Only program files are housed on your local drive. Our database server is located at a facility specifically designed for maximum security rather than at our corporate location. This facility not only provides state of the art security technology, but also state of the art disaster recovery technology which includes workspace for Lloyd Pro Group's personnel to process payroll at their location in the event of a disaster.
