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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Homeowners

What does the HOA master policy cover vs what unit owners need?

The HOA master policy covers the building shell and common areas. Individual unit owners are responsible for HO-6 (walls-in) coverage for their units. When the HOA has a loss exceeding the master policy limit, unit owners are 'assessed' to cover the gap. Unit owners with loss assessment coverage on their HO-6 have their assessment paid by insurance. Without it, assessment comes out of pocket.

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