Site Content

Types of Insurance

image11

It’s unlikely that you’ll need every insurance product on the market, even if you could afford them all. Risk is everywhere: When you drive your car to work, when you visit a new country, when you ride your bike to a nearby shop, when there’s a new bug going around in town.

Bottomline: You need the security of insurance.

Home&Flood Insurance

image12

Covers the cost of repairing or rebuilding your home if it’s damaged by storm, floods, fire, lightning, subsidence, etc


FACT: Homeowners and renters insurance does not typically cover flood damage.

Auto Insurance

image13

Not only will you want car insurance, nearly every state requires that you have it.

For those with an older car, no more than the bare minimum may be required.

However, if you have a newer car or a car with a high value, you will also want to insure it against theft.

Business Insurance

image14

There are many different types of business insurance. But most businesses need the basics, like General Liability and Commercial Property Insurance. Small businesses can get both, plus Business Income Insurance, in a Business Owner's Policy (BOP).

Umbella Insurance

image15

Umbrella insurance is extra liability insurance. This type of insurance policy is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future.

Life Insurance

image16

Life insurance is a financial protection policy for your family that gives them a tax-free cash payment if you die while the policy is in effect. Term life gives you coverage for a set period of time—usually while you have dependents relying on your income.

Site Content

Commercial Auto Insurance

image17

Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.

Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.

Worker's Compensation

image18

Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the tort of negligence.