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11/25/2014
By: Adam C.
Lem Howard - State Farm Insurance Agent
Thanks for being there for our Family Lem! It is rare that I give kudos. However, I feel compelled to let people know what type a person Lem is as a State Farm Agent. I really have not had the best experience with State Farm in the past. Lem contacted me about 6 months ago asking for a opportunity to write our insurance. I really didn't want to switch, but due to Lem's office being persistent in explaining his office is based on building a personalized relationship with there customers this caused me to think have I gotten this is the past. So I decided to give State Farm another shot at my business. Not only was the rate better but I felt appreciated as a customer. Lem thanks for calling me over and over again to switch. I look forward being your customer for many years. Thank your ladies for me they are the best!!
11/22/2014
By: Bradley S.
Lem Howard - State Farm Insurance Agent
Happy Thanksgiving to Lem and his office. I appreciate you excellent service over the years. You have been my agent for more than 12 years and you always give excellent service. I like knowing when I call your office I receive a prompt call back and I'm able to speak with an actual person. I also like receiving calls reminding me of when my bill is due. Keep up the good work!! You always have my support!! I'm a State Farm Client for LIFE! Bradley Stevens
10/11/2012
By: homerj769
Lem Howard - State Farm Insurance Agent
Lem Howard is one of the best State Farm Agents around Atlanta!!!I have known Lem for over 20 yrs. He has always been an honest and straight forward person. I would recommendLem Howard State Farm Ins to anyone needing an InsuranceAgent. I have had my business with Lem for over 12 yrs. I havenever had a situation that was not handled with the highestof professionalism. Lem's office is always responsive and ready to help.
10/11/2012
By: bobby30309
Lem Howard - State Farm Insurance Agent
A TRUE GOOD NEIGHBOR!!!! this state farm office has always been there for our family. we wouldn't think about changing Agents. We had hail damage to our roof and State Farm claims tried to deny our claim. This Agent (Lem Howard) came out to our housepersonally and inspected roof and had claim overturned. He goes above and beyondto make sure his clients are taken care of. I strongly recommend.
12/05/2014
By: Wayne P.
Lem Howard - State Farm Insurance Agent
Great customer service by Lem! I Just used my Insurance policy to turn in a claim with State Farm claims dept and I was completely confused. I called Lem and he explained the entire process and followed up with me to make sure all was well. Thanks for your help Lem!
10/12/2012
By: cliffbest
Lem Howard - State Farm Insurance Agent
Consistent Good Service by Lem's office. Thank you Lem for f/u with me on a regular basis to make sure we are correctly covered. I would advise anyone looking to purchase insurance to give Lem's office a call! user friendly operation!
10/12/2012
By: jlynch555
Lem Howard - State Farm Insurance Agent
Your Team is the Best! Lem has the best team in Atlanta. They are very responsive and professional. I can call anytime during the day and they are there. Thank you Lem, Marcia and Nattallia for your outstanding service.
10/11/2012
By: lynnd1
Lem Howard - State Farm Insurance Agent
Lem Howard is simply the best of Insurance Agents.I've been an customer for over 7 yrs with no problems.Keep going Strong Lem!!! I support you always.
Tips & Advices
Errors and omission insurance covers business-related mistakes that lead to injury of a third party, such as neglecting to file important papers.
While property, liability and workers’ compensation are the most common types of business insurance, other types include property, business interruption, and errors and omissions.
Business insurance does not cover professional liability (due to poorly performed work), the purchase of replacement equipment, vehicle accidents not related to work, or business lost due to damaged equipment.
Factors impacting the cost of business insurance premiums include the type of business, the risk involved, the size and number of employees, your experience in the industry, and location.
No. Business insurance covers general legal issues such as injuries that occur on your property and property damage. Professional insurance covers lawsuits focused on service such as charges of negligence, contractual disputes, etc.

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