Breakdown of Coverages

Insurance is designed to protect you from financial loss in the face of unexpected events. Understanding the different types of coverage available can help you make informed decisions to ensure you and your belongings are adequately protected.


Personal Lines Insurance


Homeowners Insurance

Protects your home and personal belongings against damage from fire, theft, vandalism, and other covered perils. It also provides liability coverage if someone is injured on your property.

Renters Insurance

Similar to homeowners insurance but designed for renters. It covers your personal property, provides liability protection, and can cover additional living expenses if your rental becomes uninhabitable.

Auto Insurance

Protects you financially if you're involved in an accident. It covers damage to your vehicle, medical expenses for you and your passengers, and liability for damages or injuries to others.

Life Insurance

Provides a financial payout to your beneficiaries in the event of your death. It can help replace your income, cover final expenses, and ensure your family's financial security.

Health Insurance

Covers medical expenses for illnesses, injuries, and preventive care. Helps you access necessary healthcare services and manage medical costs.

Umbrella Insurance

Provides additional liability coverage beyond the limits of your homeowners or auto insurance. It acts as a safety net to protect your assets if you face a large lawsuit or judgment.

Disability Insurance

Replaces a portion of your income if you're unable to work due to illness or injury. It provides financial security during a period of disability.

Pet Insurance

Covers veterinary expenses for accidents, illnesses, and routine care for your furry family members. It can help manage the costs of unexpected vet bills.

Travel Insurance

Protects against trip cancellations, medical emergencies, lost baggage, and other unexpected events while traveling. Provides peace of mind for your trips.

Boat/Watercraft Insurance

Covers damages or injuries related to boats or watercraft. Includes physical damage, liability, and medical payments coverage.

Motorcycle Insurance

Provides similar coverage to auto insurance, but tailored specifically for motorcycles. Covers damages to the bike, medical expenses, and liability to others.


Commercial Lines Insurance


Commercial Property Insurance

Protects your business's physical assets, such as buildings, inventory, and equipment, against damage or loss due to fire, theft, vandalism, and other covered perils.

General Liability Insurance

Protects your business from third-party claims of bodily injury, property damage, or personal and advertising injury caused by your business operations.

Business Interruption Insurance

Covers lost income and extra expenses incurred if your business is temporarily unable to operate due to a covered peril, like a fire or natural disaster.

Workers' Compensation Insurance

Covers medical expenses and lost wages for employees who are injured or become ill on the job. It also protects employers from legal liability.

Commercial Auto Insurance

Covers vehicles used for business purposes against damage, theft, and liability in the event of an accident.

Professional Liability Insurance (Errors & Omissions)

Protects professionals from liability claims due to errors, omissions, or negligence in performing their professional services. It's particularly important for consultants, lawyers, accountants, and other professionals.

Cyber Liability Insurance

Protects businesses from financial losses due to cyber attacks, such as data breaches, ransomware attacks, and other cyber threats. It can cover costs related to data recovery, legal fees, and notifying affected customers.

Directors and Officers Insurance (D&O)

Protects a company's directors and officers from personal liability for alleged wrongful acts in managing the company. This can include claims of mismanagement, breach of duty, or misleading statements.

Product Liability Insurance

Protects businesses that manufacture or sell products from liability claims if their products cause injury or property damage to customers.

Employment Practices Liability Insurance (EPLI)

Covers businesses against claims made by employees for wrongful termination, discrimination, harassment, or other employment-related issues.

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