Property & casualty (P&C) insurance protects you and your assets from unexpected loss or damage. “Property” covers things you own—like your home, car, or business building—while “casualty” focuses on your legal responsibility if you’re found liable for injury or damage to someone else.

In short, it helps cover the costs of accidents, theft, natural disasters, and lawsuits—so one incident doesn’t turn into a financial disaster.

Workers’ compensation insurance provides coverage for employees who are injured or become ill due to their job. It helps cover medical expenses, lost wages, and rehabilitation costs—and in some cases, provides benefits to dependents if a work-related injury is fatal.

It’s not just protection for employees—it’s peace of mind for employers, too. It helps you stay compliant with state laws and protects your business from costly lawsuits related to workplace injuries.

General Liability Insurance provides protection for your business against claims of bodily injury, property damage, and personal injury (like slander or libel) that can occur during normal business operations. It helps cover legal costs, medical expenses, and damages if your business is found responsible—making it a key layer of protection for businesses of all sizes.

Umbrella Liability Insurance provides extra protection beyond the limits of your standard liability policies, such as general liability, auto, or employer’s liability. It kicks in when those primary policies are maxed out, helping cover large claims or lawsuits. This added layer of coverage helps protect your business assets and future from unexpected, high-cost events.

Bonds Insurance (also known as surety bonds) is a type of financial guarantee that protects parties in a contract by ensuring that obligations will be met. If a contractor or business fails to fulfill their duties—whether it’s completing a job or following regulations—the bond provides compensation to the affected party. It’s commonly used in construction, licensing, and other industries where trust and performance are critical.

Cyber Liability Insurance helps protect your business from financial losses related to cyberattacks, data breaches, and other digital threats. It can cover costs such as data recovery, legal fees, notification expenses, and even reputational damage. This coverage is essential for businesses that store sensitive customer or employee information online or on internal systems.

Errors and Omissions (E&O) Liability Insurance protects professionals and businesses against claims of negligence, mistakes, or failure to deliver services as promised. If a client suffers financial loss due to your professional advice or service, E&O insurance can help cover legal fees, settlements, and court costs. It’s essential for consultants, insurance agents, real estate professionals, and others who provide specialized services or advice.

Builder’s Risk Insurance is a specialized type of property insurance that covers buildings and structures under construction. It protects against risks like fire, theft, vandalism, and certain weather events that can damage the project during the build. Coverage typically includes materials, equipment, and supplies on-site, in transit, or temporarily stored elsewhere.

Employment Practices Liability Insurance (EPLI) protects businesses against claims made by employees related to wrongful employment practices. This can include allegations of discrimination, harassment, wrongful termination, retaliation, and other workplace-related issues. EPLI helps cover legal defense costs, settlements, and judgments, making it important coverage for businesses of all sizes.

Key Person Life Insurance is a policy a business takes out on a vital employee—such as an owner, executive, or top salesperson—whose loss would significantly impact operations. If that key person passes away, the business receives a death benefit to help cover financial losses, maintain stability, and allow time to find a replacement. It’s a smart way to protect the future of a company.

Flood Insurance provides coverage for damage to your property and belongings caused by flooding, which is not typically covered under standard property insurance policies. It protects against losses from events like heavy rain, storm surges, overflowing rivers, or melting snow. This coverage is essential for homes and businesses located in flood-prone areas.

Loss Control Insurance refers to services or strategies provided by insurers to help businesses identify and reduce potential risks before they lead to claims. These programs may include safety training, risk assessments, and equipment inspections. The goal is to prevent accidents and minimize losses—ultimately keeping insurance costs down and operations running smoothly.