• Locally owned in Covington, GA • Serving our community for 25+ years
You've worked incredibly hard to build your company from the ground up, and you deserve a partner who respects that hustle and understands the unique risks of your industry. We provide customized solutions, like general liability and workers' compensation, to shield your business from those unexpected financial bumps in the road. Our goal is to handle the complexities of your insurance with expert care and local common sense, leaving you free to focus on what you do best, growing your business and serving our community. When your business thrives, our whole community gets stronger.
General Liability
Core business protection
Workers' Comp
Employee protection
Property Coverage
Building protection
Inland Marine
Asset protection
Commercial Auto
Auto protection
• Business Owners Policy (BOP): Combines property, liability, and business interruption coverage for small to mid-sized businesses.
• Commercial Property Insurance: Protection for your buildings, equipment, and inventory.
• General Liability: Coverage for bodily injury, property damage, and personal injury claims.
• Commercial Auto: For vehicles owned or used in business operations.
• Workers’ Compensation: Required protection for employees injured on the job.
• Umbrella Liability: Extra layer of liability protection for peace of mind.
• Professional Liability (E&O)
• Cyber Liability Insurance
• Employment Practices Liability (EPLI)
• Contractor’s & Tradesman Packages
• Commercial Inland Marine
• Builder’s Risk
• Garage & Dealership Coverage
• Restaurant & Hospitality Programs
• Nonprofit & Church Insurance
In an age of digital uncertainty, we help safeguard your personal and professional identity from modern threats.
Contractors
Restaurants
Retail Stores
Professional Services
Manufacturing
Healthcare
Real Estate
Technology
Fill out the form below and one of our agents will contact you shortly.
Our team is ready to help you with any questions or concerns.

At Knight and Gaines Insurance Agency, we believe that you deserve more than just a single option. While many large insurance companies only offer their own products, our independent model allows us to shop a vast network of top-rated providers on your behalf.
Covington, GA
Mon - Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 4:00 PM
Sat & Sun: Closed