Coverage Library

Life insurance helps protect the people who depend on you financially by providing money to your beneficiaries if you pass away. Understanding how life insurance works can help you make informed decisions and have more balanced, less one-sided conversations with insurance agents.

Health insurance helps pay for medical care and protects you from high, unpredictable healthcare costs. Understanding how health insurance works can help you choose appropriate coverage and have more informed, balanced conversations with insurers or agents.

Auto insurance protects you from financial loss related to car accidents, vehicle damage, and legal liability. Understanding how auto insurance works helps you choose appropriate coverage and avoid costly gaps when accidents occur.

Homeowners insurance protects your home, belongings, and personal liability against a wide range of risks. Understanding how homeowners insurance works helps you avoid coverage gaps and make informed decisions beyond lender requirements.

Renters insurance protects your personal belongings and provides liability coverage while you rent a home or apartment. Understanding renters insurance helps clarify what your landlord’s insurance does—and does not—cover.

Umbrella insurance provides additional liability protection beyond the limits of your primary insurance policies. It is designed to protect assets and future income from large or unexpected legal claims.

Long-term care insurance helps cover the cost of extended care services when you are unable to perform everyday activities on your own. Understanding how long-term care insurance works can help protect savings and reduce financial strain later in life.

Short-term disability insurance provides partial income replacement when a temporary illness or injury prevents you from working. Understanding how STD works helps clarify what employer benefits do—and do not—cover during short recovery periods.

Long-term disability insurance provides partial income replacement when a serious illness or injury prevents you from working for an extended period. Understanding how LTD works helps clarify how income protection continues after short-term disability benefits end.

Group life insurance provides employer-sponsored life insurance coverage for employees, offering basic financial protection for beneficiaries at a relatively low cost. Understanding how group life insurance works helps clarify what it covers—and where individual coverage may still be needed.

Voluntary benefits are optional, employee-paid insurance products offered through the workplace. They are designed to supplement core benefits by covering specific risks or out-of-pocket costs not fully addressed by health, life, or disability insurance.

Accident insurance provides fixed cash benefits when you are injured in a covered accident. It is designed to help offset out-of-pocket costs and income disruption that may occur even when you have health insurance.

Critical illness insurance provides a lump-sum cash payment if you are diagnosed with a covered serious illness. It is designed to help manage the financial impact of major health events that can disrupt income, savings, and daily life.

General liability insurance protects businesses from financial loss due to bodily injury, property damage, and certain personal or advertising injury claims. Understanding how it works helps clarify what everyday business risks are covered—and where important gaps remain.

Professional liability insurance protects businesses and professionals from financial loss due to claims that their services, advice, or work caused a client harm. Understanding how it works helps clarify what general liability does not cover and where professional risk truly lies.

Commercial property insurance protects a business’s physical assets from loss or damage caused by covered events such as fire, theft, or certain natural disasters. Understanding how it works helps businesses avoid underinsuring property or misunderstanding what risks are excluded.

Workers’ compensation insurance provides medical benefits and wage replacement to employees who are injured or become ill due to their job. Understanding how workers’ compensation works helps employers meet legal obligations and manage workplace injury risk responsibly.

Cyber insurance helps businesses manage financial losses and operational disruption caused by data breaches, cyberattacks, and technology failures. Understanding how cyber insurance works clarifies what it covers, what it excludes, and how it complements—not replaces—security controls.

Directors and Officers (D&O) insurance protects company leaders from personal financial loss arising from claims related to their management decisions. Understanding how D&O insurance works helps clarify who is protected, what actions are covered, and why this coverage is critical for organizations of all sizes.

Employment Practices Liability Insurance (EPLI) protects businesses from claims arising out of employment-related actions, such as discrimination, harassment, wrongful termination, and retaliation. Understanding EPLI helps employers manage one of the most common and costly sources of litigation.

Commercial auto insurance protects businesses from financial loss related to vehicles used for business purposes. Understanding how commercial auto insurance works helps clarify why personal auto policies are often insufficient for business-related driving.

Business interruption insurance helps replace lost income and cover ongoing expenses when a business is forced to suspend operations due to a covered property loss. Understanding how it works clarifies why revenue loss alone does not automatically trigger coverage.

Commercial umbrella insurance provides additional liability protection above the limits of underlying business insurance policies. Understanding how commercial umbrella works helps businesses protect assets, future earnings, and balance sheets from catastrophic claims.

Product liability insurance protects businesses from financial loss arising from claims that a product caused bodily injury or property damage. Understanding how product liability works helps clarify who is responsible when products fail and why this coverage is critical for manufacturers, distributors, and sellers.

Crime insurance protects businesses from financial loss caused by theft, fraud, or dishonesty. Understanding how crime insurance works helps clarify why general liability and property insurance often do not cover employee or financial crime losses.

Inland marine insurance protects business property that moves, is transported, or is located away from a fixed premises. Understanding inland marine insurance helps clarify why standard property policies often leave gaps for mobile or specialized assets.

Surety bonds provide a financial guarantee that obligations will be fulfilled. Understanding how surety bonds work helps clarify why bonds are not insurance and how they protect customers, governments, and project owners—not the bonded business itself.

Environmental and pollution liability insurance protects businesses from financial loss related to pollution events, contamination, and environmental damage. Understanding how this coverage works helps clarify why most standard insurance policies explicitly exclude pollution-related claims.

Flood insurance protects property owners from financial loss caused by flooding, a peril that is typically excluded from standard homeowners and commercial property policies. Understanding flood insurance helps clarify why separate coverage is often necessary, even outside high-risk flood zones.

Earthquake insurance protects property owners from financial loss caused by seismic activity, a peril typically excluded from standard homeowners and commercial property policies. Understanding earthquake insurance helps clarify when separate coverage is necessary and how deductibles and structural risks are calculated.

Dental insurance helps cover the cost of preventive, basic, and major dental procedures. Understanding how dental insurance works clarifies why it functions differently from traditional health insurance and why annual maximums and waiting periods matter.

Vision insurance helps cover the cost of eye exams, glasses, and contact lenses. Understanding how vision insurance works clarifies why it functions more like a scheduled benefit plan than traditional medical insurance.

Medicare is the federal health insurance program primarily for individuals age 65 and older, as well as certain younger individuals with disabilities. Understanding the structure of Medicare—including Original Medicare, Medicare Advantage, and Medigap—is essential for making informed coverage decisions and avoiding costly gaps.

Valuable articles insurance (also called scheduled personal property coverage) protects high-value personal items such as jewelry, art, collectibles, and specialty equipment. Understanding how this coverage works helps clarify why standard homeowners policies often provide limited protection for expensive individual items.

Boat and watercraft insurance protects owners from financial loss related to vessel damage, liability, and maritime risks. Understanding how boat insurance works helps clarify why homeowners policies offer limited protection for watercraft and why specialized marine coverage is often necessary.

Motorcycle insurance provides financial protection for riders against accidents, theft, and liability claims. Understanding how motorcycle insurance differs from standard auto insurance helps clarify coverage gaps, higher risk factors, and optional protections unique to motorcycles.

RV insurance provides financial protection for recreational vehicles, combining elements of auto insurance and homeowners coverage. Understanding how RV insurance works helps clarify the unique risks of motorhomes, travel trailers, and camper vans.

Accidental Death & Dismemberment (AD&D) insurance provides a financial benefit if the insured dies or suffers specific serious injuries due to a covered accident. Understanding how AD&D works helps clarify how it differs from life insurance and why its coverage is limited to accidental events only.

Stop-loss insurance protects employers that self-fund their health plans from catastrophic or unexpectedly high medical claims. Understanding stop-loss insurance helps clarify how employers manage financial risk while offering self-funded employee health benefits.

Fiduciary liability insurance protects employers and plan fiduciaries from claims alleging mismanagement of employee benefit plans. Understanding fiduciary liability coverage helps clarify how it differs from directors & officers (D&O) insurance and why ERISA exposure requires specialized protection.

Builders Risk insurance protects buildings and structures under construction from physical loss or damage. Understanding how Builders Risk works helps clarify why standard property insurance does not cover projects during construction and why this coverage is often contractually required.

Ocean Marine insurance protects vessels, cargo, and maritime liabilities associated with transportation over navigable waters. Understanding how ocean marine coverage works helps clarify why inland marine and standard property policies do not address maritime risks.

Medical malpractice insurance protects healthcare professionals and organizations from claims alleging negligence, errors, or omissions in the delivery of medical services. Understanding how malpractice coverage works helps clarify its claims-made structure, limits, and the legal risks associated with patient care.

Liquor liability insurance protects businesses from claims arising out of the sale, service, or furnishing of alcohol. Because alcohol-related exposures can be severe and highly litigated, this coverage is frequently written in the Excess & Surplus (E&S) market when admitted insurers decline the risk.

Aviation insurance protects aircraft owners, operators, and related businesses from financial loss arising out of aircraft damage and aviation-related liability. Understanding aviation insurance helps clarify why standard property and general liability policies exclude aircraft exposures and why specialized underwriting is required.

Trade credit insurance protects businesses against losses arising from customers’ failure to pay invoices due to insolvency, protracted default, or political risk. Understanding trade credit insurance helps clarify how companies manage accounts receivable risk and stabilize cash flow.