Business Interruption Insurance
Business interruption insurance is a form of protection that replaces lost income and covers operating expenses if a business is forced to temporarily shut down due to a disaster like a fire or storm. By helping to pay for rent, payroll, and other fixed costs while the property is being repaired, this coverage is vital […]
Cyber Liability Insurance
Cyber liability insurance is a critical policy designed to help businesses respond to and recover from a data breach or cyberattack. It covers a wide range of expenses, including the costs of notifying affected customers, credit monitoring services, public relations to restore a company’s reputation, and legal defense if the business is sued, making it […]
Workers’ Compensation
Workers’ compensation is a state-mandated insurance program that provides benefits to employees who get injured or sick from their job. It covers medical care and a portion of lost wages, and in exchange, employees typically cannot sue their employer for the injury. This no-fault system protects both the employee’s well-being and the business from costly […]
General Liability Insurance
General liability is a foundational insurance policy that protects a business from everyday risks, such as third-party claims of bodily injury, property damage, or advertising injury. Often required to sign a commercial lease or secure a client contract, this coverage pays for medical bills, repair costs, and legal fees, safeguarding the business from lawsuits that […]
Travel Insurance
Travel insurance is a short-term policy that protects you from financial setbacks and emergencies that can occur before or during a trip. It safeguards your investment by covering non-refundable costs if your trip is canceled, and provides a critical safety net for unexpected medical emergencies, lost luggage, or travel delays, especially when traveling abroad.
Identity Theft Insurance
Identity theft insurance is a policy designed to mitigate the financial losses and administrative burdens that come with having your personal information stolen. It provides access to fraud specialists who help restore your credit and identity, and reimburses you for associated costs like legal fees and lost wages, offering a support system during a stressful […]
Pet Insurance
Pet insurance acts like health insurance for your cat or dog, helping you manage the costs of veterinary care so you can make decisions based on your pet’s health, not your budget. By reimbursing you for a portion of eligible vet bills, it provides financial peace of mind for unexpected accidents and illnesses, though it […]
Earthquake Insurance
Earthquake insurance is a specific type of property coverage that protects your home and belongings from damage caused by seismic events. Since earthquakes are not covered by standard homeowners policies, this separate insurance is essential for residents in seismically active areas to cover potentially catastrophic structural repairs, which often come with a high deductible.
Flood Insurance
Flood insurance is a special policy created to cover property losses from overland flooding, which is explicitly excluded from standard homeowners and renters insurance. Often required for homes in designated flood zones, this coverage is critical for protecting both a building’s structure and its contents from the devastating financial impact of water damage caused by […]
Umbrella Insurance
Umbrella insurance is a form of supplemental liability coverage that provides an extra layer of protection once the limits of your primary homeowners, auto, or boat policies have been exhausted. It’s an affordable way to safeguard your assets against a major lawsuit, offering high-limit coverage for bodily injury and property damage claims that could otherwise […]
