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Insurance Policy Types

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Health Insurance

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Covers medical expenses for illnesses, injuries, and other health conditions.

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Auto Insurance

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Protects against financial loss from accidents, theft, or damage to a vehicle.

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Life Insurance

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Pays out a sum of money upon the death of the insured person or after a set period.

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Homeowners Insurance

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Covers damage to a person's home and belongings inside it.

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Renters Insurance

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Provides coverage for a tenant's personal property within a rental property.

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Disability Insurance

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Offers income protection to individuals who become disabled and are unable to work.

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Travel Insurance

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Covers unexpected events during travel, such as trip cancellations and medical emergencies.

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Pet Insurance

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Covers veterinary treatment costs for pets.

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Liability Insurance

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Protects against legal claims for bodily injury and property damage caused to others.

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Long-Term Care Insurance

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Covers services such as nursing home care or assisted living for individuals with chronic illnesses or disabilities.

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Umbrella Insurance

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Provides extra liability coverage beyond the limits of homeowner's and auto policies.

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Flood Insurance

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Covers damage to property caused by flooding, which is typically not covered under standard homeowners' policies.

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Crop Insurance

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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.

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Marine Insurance

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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.

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Commercial Property Insurance

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Protects commercial buildings and movable property owned by a business.

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Errors and Omissions Insurance (E&O)

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Protects companies and professionals against claims of inadequate work or negligent actions.

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Directors and Officers Insurance (D&O)

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Protects company directors and officers from personal losses if they are sued for alleged wrongful acts while managing a company.

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Product Liability Insurance

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Protects a business against claims of injury or damage caused by products it sold or supplied.

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Key Person Insurance

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Life insurance on the key individual(s) in a business, and the business is the beneficiary.

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Cyber Liability Insurance

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Covers a business's liability for a data breach involving sensitive customer information.

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Surety Bonds

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A contract between three parties where the surety guarantees to a project's owner that the principal will fulfill contractual obligations.

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Business Interruption Insurance

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Covers the loss of income that a business suffers after a disaster while its facility is being rebuilt or repaired.

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Event Cancellation Insurance

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Covers financial loss if an event has to be postponed, canceled, or relocated.

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Professional Liability Insurance

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Covers professionals for negligence and errors or omissions that injure their clients.

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Environmental or Pollution Liability Insurance

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Provides coverage for cleanup costs and damages resulting from environmental accidents, such as hazardous material spills.

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Kidnap and Ransom Insurance

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Designed to protect individuals and corporations operating in high-risk areas around the world.

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