Foundational Personal Protection
Health Insurance
Purpose: Covers medical and surgical expenses.
Best For: All individuals and families.
Key Coverage: Doctor visits, hospitalizations, prescriptions.
Automobile Insurance
Purpose: Financial protection from traffic accidents.
Best For: All vehicle owners and drivers.
Key Coverage: Liability, Collision, and Comprehensive.
Homeowners Insurance
Purpose: Covers losses and damages to a house and assets.
Best For: All homeowners, especially with a mortgage.
Key Coverage: Dwelling, personal belongings, liability.
Renters Insurance
Purpose: Covers renter's personal belongings and liability.
Best For: Individuals and families who rent.
Key Coverage: Personal property, liability for guest injuries.
Coverage for Modern Lifestyles & Assets
Gig Worker Protection
Purpose: Fills insurance gaps for freelancers.
Best For: Rideshare drivers, freelance creatives.
Key Coverage: Rideshare endorsement, business equipment.
International Medical & Travel
Purpose: Emergency medical and travel protection abroad.
Best For: Vacationers, business travelers, students abroad.
Key Coverage: Medical evacuation, trip cancellation.
High-Value Item Insurance
Purpose: "All-risk" coverage for valuable possessions.
Best For: Collectors of fine art, jewelry, antiques.
Key Coverage: Full appraised value against theft, damage, loss.
Pet Insurance
Purpose: Manages veterinary costs for pets.
Best For: All pet owners.
Key Coverage: Accident & Illness plans, optional Wellness riders.
Personal Cyber & ID Theft
Purpose: Helps victims recover from identity theft.
Best For: Anyone who uses online banking or social media.
Key Coverage: Credit monitoring, legal fees, restoration services.
Accidental Death & Dismemberment
Purpose: Pays a benefit for accidental death or loss of limb/sight.
Best For: Supplement to life insurance, high-risk jobs.
Key Coverage: Lump-sum payment for covered events.
Essential Business Protection
General Liability (CGL)
Purpose: Protects against third-party claims of injury or property damage.
Best For: All businesses, especially with a physical location.
When to Buy: As soon as business operations begin.
Professional Liability (E&O)
Purpose: Protects against claims of negligence or errors in professional services.
Best For: Doctors, lawyers, consultants, IT firms.
When to Buy: As soon as professional services are offered.
Commercial Property
Purpose: Protects your business's physical assets from fire, theft, etc.
Best For: Any business that owns or rents a physical location.
When to Buy: Upon acquiring a physical location for the business.
Commercial Auto
Purpose: Covers vehicles owned, leased, or rented by the business.
Best For: Any business that uses vehicles for operations.
When to Buy: Before any vehicle is used for business purposes.
Workers' Compensation
Purpose: Provides medical and wage benefits to employees injured on the job.
Best For: Nearly every business with employees.
When to Buy: Legally mandated once you hire employees.
Cyber Liability
Purpose: Covers financial losses from data breaches and cyber attacks.
Best For: Any business that handles sensitive digital data.
When to Buy: As soon as your business handles digital data.
Advanced & Specialty Commercial Lines
Fleet & Trucking Insurance
Purpose: Specialized coverage for commercial vehicle fleets.
Best For: Logistics companies, contractors, delivery services.
Key Coverage: Motor Carrier filings, cargo protection.
Inland Marine Insurance
Purpose: Covers business property or equipment while in transit over land.
Best For: Contractors with mobile tools, touring artists.
Key Coverage: Protects specific, scheduled equipment anywhere.
Event Cancellation
Purpose: Protects revenue or expenses from a canceled event.
Best For: Event promoters, conference organizers.
Key Coverage: Reimburses for lost revenue or deposits.
High-Stakes & Global Operations
Ocean Marine Insurance
Purpose: Covers goods, freight, and vessels during transport across water.
Best For: Importers, exporters, global supply chains.
Key Coverage: Cargo protection, political risk.
Surety Bonds
Purpose: A guarantee that a business will fulfill its contractual obligations.
Best For: Construction firms bidding on public works.
Key Coverage: Performance Bonds, Payment Bonds, Bid Bonds.
Wrap-Up Insurance
Purpose: A single program that covers all contractors on a large project.
Best For: Developers overseeing multi-million dollar projects.
Key Coverage: Consolidates General Liability and Workers' Comp.
