Insurance Coverage Guide

Auto Insurance

What It Does

Auto insurance can help protect you financially after qualifying accidents, vehicle damage, theft, injuries and other covered losses.

Common Coverages

• Bodily Injury Liability
• Property Damage Liability
• Collision
• Comprehensive
• Uninsured / Underinsured Motorist
• Medical Payments

Homeowners Insurance

What It Does

Homeowners insurance can help protect your house, personal belongings, liability exposures and certain additional living expenses after a covered loss.

Important to Know

Coverage varies by policy form, property condition and underwriting. Flood and some other causes of loss may require separate coverage.

Manufactured Home Insurance

What It Does

Manufactured home insurance provides coverage designed specifically for manufactured and mobile homes, personal property and personal liability.

Common Considerations

• Home age and condition
• Roof age and material
• Park versus private land
• Replacement cost versus actual cash value

Landlord / Rental Property Insurance

What It Does

Landlord insurance is designed for properties you own and rent to others. It can include building coverage, liability and qualifying loss-of-rents coverage.

Who It May Fit

Single-family rentals, duplexes, multi-unit properties and other eligible residential investment properties.

Renters Insurance

What It Does

Renters insurance can help protect your personal belongings, personal liability and certain additional living expenses after a covered loss.

Important to Know

Your landlord's property policy generally does not insure your personal belongings.

Personal Umbrella Insurance

What It Does

A personal umbrella can provide additional liability limits above qualifying underlying auto, homeowners and other personal policies.

Important to Know

Underlying policy limits and eligibility requirements generally apply.

RV, Motorcycle & ATV Insurance

What It Does

Specialized coverage for recreational vehicles can include liability, physical damage and other options depending on the type of vehicle.

May Include

• Motorcycles
• RVs and travel trailers
• ATVs and side-by-sides

Flood Insurance

What It Does

Flood insurance is designed to cover qualifying flood-related damage that is generally excluded from standard homeowners policies.

Important to Know

Waiting periods and separate policy limits may apply.

General Liability Insurance

What It Does

General Liability can help protect a business from certain third-party claims involving bodily injury, property damage and other qualifying liability exposures.

Common Examples

• Customer slip-and-fall claims
• Accidental damage to another person's property
• Certain completed-operations claims

Business Owner's Policy (BOP)

What It Does

A BOP can combine General Liability and business property coverage into one convenient package for eligible small and midsize businesses.

May Include

• General Liability
• Business Personal Property
• Business Income
• Additional optional coverages

Commercial Property Insurance

What It Does

Commercial Property insurance can protect qualifying buildings, business personal property, equipment and other physical assets from covered losses.

Common Property

• Buildings
• Furniture
• Inventory
• Business equipment

Commercial Auto Insurance

What It Does

Commercial Auto insurance is designed for vehicles used in business operations, including qualifying work trucks, vans and fleets.

May Include

• Auto Liability
• Collision
• Comprehensive
• Uninsured Motorist
• Hired and Non-Owned Auto

Workers Compensation

What It Does

Workers Compensation can help respond to qualifying employee injuries and occupational illnesses arising from employment.

May Help With

• Medical costs
• Lost wages
• Rehabilitation
• Employer liability exposures

Tools & Equipment / Inland Marine

What It Does

Inland Marine coverage can protect qualifying tools and equipment that travel away from your primary business location.

Common Uses

Contractors, service businesses and businesses that regularly transport valuable equipment between locations.

Cyber Liability Insurance

What It Does

Cyber coverage can help respond to certain data breaches, cyberattacks, privacy incidents and technology-related risks.

May Include

• Data breach response
• Notification expenses
• Cyber extortion
• Business interruption

Commercial Umbrella Insurance

What It Does

Commercial Umbrella coverage can provide additional liability limits above qualifying underlying business insurance policies.

Important to Know

Required underlying policies and minimum liability limits generally apply.

Builders Risk Insurance

What It Does

Builders Risk is designed to protect qualifying buildings, construction materials and certain project exposures while construction or renovation is underway.

Common Projects

• Ground-up construction
• Major renovations
• Fix-and-flip projects
• Residential and commercial construction

Contractor Bonds

What They Do

Surety bonds can help satisfy certain licensing, contractual or regulatory requirements.

Important to Know

A bond is not the same as liability insurance. The bond typically protects the party requiring it rather than functioning as traditional insurance for the contractor.