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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Commercial

What is hired and non-owned auto coverage?

Hired and non-owned auto (HNOA) covers liability when employees drive their personal vehicles or rental vehicles for business purposes. If an employee causes an accident running a business errand in their own car, their personal auto limits may not be enough and the business could be sued directly. HNOA fills that gap and is usually inexpensive when added to a BOP or commercial auto policy.

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