MY HOME AND FAMILY

I own a home, condo, or rental property

I drive and want real protection, not just minimums

I rent and my landlord's policy does not cover me

Against a Big Loss

One lawsuit could wipe out everything I have built

Against Flooding

My standard policy covers zero flood damage

My Rental Income

I rent out a property and need landlord coverage

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MY BUSINESS

My Business Property and Liability

I need one policy that covers my business basics

Against a Customer Claim

Someone got hurt or I caused damage to their property

My Business Vehicles

My personal auto policy does not cover business use

Workers comp is required for most employers

Against a Data Breach

A cyberattack could cost my business $200,000 or more

My Professional Work

My advice or service caused a loss and I am being sued

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PERSONAL

TravelersComplex homes ProgressiveAuto bundling NationwideBroad coverage SafecoMid-range homes OpenlyHigh value homes HippoNewer construction

COMMERCIAL

TravelersBroad commercial The HartfordSmall business NationwideMid-market CNAProfessional liability HanoverComplex risks AIGHigh value risks

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Know Your State's Rules

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🍑 Georgia

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Commercial

What limits should I carry on general liability?

Most small businesses carry $1M per occurrence and $2M aggregate. Landlords, commercial property owners, and contractors working for larger clients often need higher limits, sometimes $2M per occurrence or excess liability on top. Your contracts often dictate the minimum, which is why reviewing client contracts before binding matters.

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