Protects businesses, like pediatricians and daycares, against claims alleging abuse, misconduct, or inappropriate behavior by employees or staff toward others.

Pays replacement cost minus depreciation (wear and tear).

The person who reviews your claim and helps determine payment.

Injury to a person (medical costs, legal costs, etc.).

Bundles property and general liability coverage into one policy.

Replaces lost income and cover ongoing expenses if a business must temporarily close due to a covered loss.

When a policy ends before the term is over.

A request for your insurance to help pay for a covered loss.

Helps pay to repair your vehicle after an accident.

Covers vehicles used for business purposes.

Structural coverage for owned locations or required by lease, property enhancements, or business personal property stored at a location. 

Helps pay for non-accident damage like theft, vandalism, fire, or storm damage.

The protection your policy provides.

Protects the value of growing plants or crops if they are damaged or lost due to covered events like equipment failure, fire, or severe weather.

Helps with defense, settlement, and recovery costs after a data breach or cyberattack.

The “summary page” of your policy with key details like limits, deductibles, and insured names.

What you pay out of pocket before insurance starts paying.

Covers company leaders if they are personally sued over decisions they made while managing or directing the business.

Covers a portion of an employee's income for injuries or disease sustained away from the job. Required in New York State/FPL

The first payment to start a policy.

The main structure of your home.

Protects a business if an employee claims unfair treatment at work, such as wrongful termination, discrimination, or harassment.

An add-on that changes your policy (adds, removes, or adjusts coverage).

Covers repair or replacement costs when essential equipment or machinery fails due to mechanical or electrical breakdown.

Things your policy does not cover.

Provides coverage if a customer’s vehicle is damaged, stolen, or vandalized while it is in the business’s care, custody, or control.

Covers common business risks like slip-and-fall injuries and property damage claims.

Smaller payments made over time.

Protection if you’re responsible for someone else’s injury or property damage.

The maximum amount your policy will pay for a covered claim.

Protects against claims arising from injuries or damages caused by a person who was served by the business.

Helps pay living expenses if your home can’t be lived in due to a covered loss.

A professional liability policy specific to medical professions.

Helps pay medical bills for injuries on your property, regardless of fault.

When an insurer chooses not to renew your policy at the end of the term.

Separate buildings like sheds, detached garages, and fences.

Your belongings: furniture, clothing, electronics, etc.

Your insurance agreement. It explains what’s covered, what’s not, and what you pay.

Covers claims and cleanup costs if a business’s operations cause environmental contamination, such as chemical spills or hazardous material releases.

The amount you pay for insurance (monthly or yearly).

Covers the costs of removing a defective or unsafe product from the market, including notification, transportation, and disposal expenses.

Covers claims that your professional services caused a client a financial loss. Doctors, Realtors, Insurance Agents, Architects, Salon Owners, etc.

Damage to someone else’s property.

Pays to replace something with a similar new item (without subtracting wear and tear).

Covers the cost of perishable goods that are lost or damaged due to power outages, refrigeration failure, or equipment breakdown.

When your insurance company tries to recover money from the party at fault after paying a claim.

Functions as a  financial guarantee that a business will complete work or meet legal obligations as promised, protecting the client or government if those obligations aren’t fulfilled.

Extra liability coverage that goes beyond your home/auto or business limits.

Helps protect you if the other driver has little or no insurance.

Provides coverage for lost income or damaged inventory when a business is affected by a power, water, or utility outage beyond its control.

Coverage for specific high value personal belongings. Appraisal required.

Your vehicle identification number (like a car’s fingerprint).

Covers employee injuries that happen on the job. Required in New York State.