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Auto

Auto insurance is the one insurance that we ALL have to have. It can be confusing to many and understandably so. We love to help our clients understand their coverage better, but the thing we love most is finding the best price out their for your auto insurance needs. We have some of the best prices in Gwinnett because we are constantly working on finding the best companies with the best value for you. Most importantly, we charge NO additional fees for any of our products. No agency fees. No finders fees. No referral fees. No fees at all. We strongly believe this is the way that every local independent agency should operate, and unfortunately it isn't the case. We will walk you through every dollar you're investing in your insurance so you feel comfortable knowing that you're paying directly for the best coverages and not for anything else.

ElLeon Lion Head

A Discussion on Auto Coverages

I've spent my entire life in an Insurance Agency. Having grandparents in the business, and parents in the business, this meant that I would leave school and walk to my Dad's local insurance agency where I'd watch reruns of Charlie's Angels and CHiPs until it was time for the office to close.

There is something that is always constant in the world of insurance, whether in my grandpa's insurance offices or my uncles or my mothers: many customers really don't understand their coverages, and they make the decision on what to buy at the farthest point from when they need to use that coverage. What do I mean by that? I mean that I buy my insurance when I'm sitting in the comfortable chairs of El Leon Insurance just arms reach from the candy bowl. I may go a year with no accident, or even 5, or maybe I'll never have one (we all can hope!), but maybe I'm just months away from an accident happening. It's why we want to spend the time explaining your coverages to you, so that you truly understand what you're buying and on what your dollars are being spent.

The minimum limits in Georgia are only liability limits, and don't cover any physical damage to your vehicle in the event of an accident-- and thats where the information begins! Call or stop by and ask me more, I'd love to explain all the details just as my parents and grandparents did with their clients before me. You are important now, and so is your coverage.

Georgia drivers must have automobile liability insurance for at least the minimum limits required by law to drive on the Georgia public roads and highways. The minimum limits of liability required under Georgia law are Bodily injury Liability of $25,000 per person, $50,000 per occurrence and Property Damage liability of $25,000 per occurrence. This will be listed on a policy as 25/50/25 or another similar format. This is the minimum required, but we recommend drivers cover themselves with higher limits, ensuring they are ready for anything that may happen.

Liability insurance provides coverage that pays damages to others, on behalf of an insured, for injury to or damaged property of others, up to the policy limit, which an insured may have caused by her negligence or may protect her against claims made against her by someone who alleges she was at-fault.

Physical damage insurance is insurance to pay for loss or damage to your own vehicle. Physical damage insurance consists of two types. The first part which pays for theft, vandalism and fire type losses is referred to as either “comprehensive” or “other than collision coverage.” The second part is “collision” coverage, which you can read more about below. Physical Damage coverage is not required by State law, but is usually required by the lender (bank or finance company) if there is a loan on the vehicle or by the leasing company if it is leased. An insured can file a claim under his own Physical Damage coverage even if someone else may have caused the accident. 

Collision coverage is what most people think of when they think of purchasing insurance coverage: how will I be covered in the event of an auto accident involving another car? Collision coverage is what covers the physical damage of a collision. The deductible is the portion you agree to pay out of your pocket, the rest of the assessed damage is what the insurance provider will cover.

Uninsured Motorist Insurance may also be included on a policy. Although Georgia requires all drivers to have minimum liability insurance coverages to drive, there are unfortunately those that either do not obey the law or may have unknowingly allowed their insurance to cancel. Uninsured Motorist would protect you when that other uninsured driver causes an accident which damages your vehicle or injures you or your passengers. This coverage is for protection of the policyholder's loss or damages inflicted in that accident. 

We urge you to pay close attention to your coverages, and ask lots of questions to understand more. 

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Commercial

Commercial insurance covers a variety of risks, but at its most simple explanation, it covers your business venture. From liability to workers compensation, we can help you to find coverage whether you have a home day care, a construction company, landscaping operation, or many hundreds of other business operations. We offer free quotes and free advice to help place you with the best coverage.

ElLeon Lion Head

Small Business Insurance

We celebrate businesses of all sizes, and we specialize in those that are the smallest of them all. If you have a trunk full of tools, or the back of a van full of supplies, or you move things from one place to another on behalf of someone else, we can help you to insure your business. What sorts of businesses do we insure most often? Painters, Landscapers, Dry-Wallers, Flooring Installers, Shop Owners, Hair Salons/Barbers, Janitorial Service Providers, DayCares, Contractors, Plumbers, Electricians, the list goes on. If you're doing your work solo: we insure you. If you have employees, we insure you. We can help if its one van or truck or a whole fleet!

Basically, we work with the sorts of small business owners that exist in every town across America, except in our case we're helping the ones who reside in Norcross or Duluth, Atlanta or Lilburn. We work in Gwinnett County and Cobb County, Fulton County, Dekalb County, the list goes on, but not forever. We help those that work in the communities around us, and we believe in that help.

General Liability is a part of a network of insurance products that will help protect your business from perceived damages and liabilities attached to your work. This is the most "general" form of business insurance as it offers broad coverage of your liabilities: thus the name. There are a variety of ways to provide you and your business with liability coverage and we look forward to finding the right fit FAST. Your company can't stop, and we don't want you to have to.

Workers Compensation coverage is meant to cover your workers from unforeseen and unfortunate accidents in relation to their work. This is a huge part of any businesses insurance coverage network and can often be the most confusing. We are committed to helping you through the process of finding coverage, and meeting the needs of that coverage. Annual audits are very common in this form of insurance, and can be daunting to many business owners with an already full plate. We offer pre-emptive advice and counsel on how best to manage the process of communicating with the underwriting and auditing teams for a seamless and predictable experience for everyone.

Plain as day, you have a vehicle that does some work. Whether its a car that gets you to and from your cleaning appointments, or a cherry picker that helps you hang exterior signage, we provide a variety of coverages for your workhorses so you can work hard with great coverage. As your business grows, we can welcome additional vehicles into the fold of your coverage. From 1 to a fleet, we got you covered!

Home / Rent

We offer a large variety of options and offerings when insuring your home. You can visit us in person or call us on the phone for a free quote that will allow you to make the best decision for what is many of our biggest assets. Your heart is where your home is, and our heart is in helping you cover it.

ElLeon Lion Head

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Yes we can cover this style of home! It is one of our specialties and we offer fantastic prices. We can walk you through the process in selecting the appropriate coverages, and when needed, we can also help you deliver your insurance information to the offices of your community.

Renters coverage can provide you great peace of mind at very affordable prices. This type of insurance can cover your possessions and contents of your apartment, protecting you from such unforeseeable events as an apartment building fire. We can bundle it with your other coverages, or even by itself.

 

Services

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About Us

EL LEON is a local insurance agency that serves the diverse communities of the Atlanta area. Owned and operated by a third generation Insurance Agent, and staffed by a team of professionals that speak native Spanish and English. We are American. We are Latino. We are diverse and we are thrilled to be serving one of the most diverse places in the state of Georgia. Above all else, we value our relationships with our clients. Our client relationships are built on honesty, a great product and great service. Because of this, we take a hard-line stance against hidden or agency-added insurance fees that we believe plague the insurance market in our area. We believe in education and information-- this allows our clients to feel comfortable in making great decisions about the needs of their personal and professional insurance needs.

Above all else we believe in community, family, and service. Thank you for visiting us on the internet, now come visit us in person!

Contact Us

Address:
5475 Buford Hwy Suite C 
Norcross GA, 30071

Phone:
770-246-5000

We are located on Buford Hwy in the heart of Norcross, at the corner of Beaver Ruin. We are in the same building as the famous Grandpa Store and just yards away from Plaza Latina and the downtown Lilian Webber Park. 

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