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 877-341-5728.

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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 877-341-5728.

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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.

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See Our Locations

Lloyd Pro Group has five professionally staffed offices conveniently located throughout the greater Atlanta Georgia area. Click here for more »

Did we get a 5 star rating?

Lloyd Pro Group provides top notch service along with great insurance rates to our Georgia clients. See what our customers have to say. Click here for more »

License #166455. We are licensed in Georgia and surrounding states.