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Insurance Policy Types
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Travel Insurance
Covers unexpected events during travel, such as trip cancellations and medical emergencies.
Environmental or Pollution Liability Insurance
Provides coverage for cleanup costs and damages resulting from environmental accidents, such as hazardous material spills.
Liability Insurance
Protects against legal claims for bodily injury and property damage caused to others.
Flood Insurance
Covers damage to property caused by flooding, which is typically not covered under standard homeowners' policies.
Pet Insurance
Covers veterinary treatment costs for pets.
Key Person Insurance
Life insurance on the key individual(s) in a business, and the business is the beneficiary.
Life Insurance
Pays out a sum of money upon the death of the insured person or after a set period.
Crop Insurance
Protects farmers against the loss of their crops due to natural disasters or the loss of revenue due to declines in the prices of agricultural commodities.
Marine Insurance
Covers the loss or damage of ships, cargo, terminals, and any transport by which property is transferred, acquired, or held between points of origin and final destination.
Errors and Omissions Insurance (E&O)
Protects companies and professionals against claims of inadequate work or negligent actions.
Auto Insurance
Protects against financial loss from accidents, theft, or damage to a vehicle.
Umbrella Insurance
Provides extra liability coverage beyond the limits of homeowner's and auto policies.
Commercial Property Insurance
Protects commercial buildings and movable property owned by a business.
Kidnap and Ransom Insurance
Designed to protect individuals and corporations operating in high-risk areas around the world.
Surety Bonds
A contract between three parties where the surety guarantees to a project's owner that the principal will fulfill contractual obligations.
Professional Liability Insurance
Covers professionals for negligence and errors or omissions that injure their clients.
Homeowners Insurance
Covers damage to a person's home and belongings inside it.
Renters Insurance
Provides coverage for a tenant's personal property within a rental property.
Event Cancellation Insurance
Covers financial loss if an event has to be postponed, canceled, or relocated.
Directors and Officers Insurance (D&O)
Protects company directors and officers from personal losses if they are sued for alleged wrongful acts while managing a company.
Product Liability Insurance
Protects a business against claims of injury or damage caused by products it sold or supplied.
Cyber Liability Insurance
Covers a business's liability for a data breach involving sensitive customer information.
Long-Term Care Insurance
Covers services such as nursing home care or assisted living for individuals with chronic illnesses or disabilities.
Disability Insurance
Offers income protection to individuals who become disabled and are unable to work.
Health Insurance
Covers medical expenses for illnesses, injuries, and other health conditions.
Business Interruption Insurance
Covers the loss of income that a business suffers after a disaster while its facility is being rebuilt or repaired.
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