Find the right coverage, explained plainly
Every policy type we help match, in one place — what it covers, who typically needs it, and how to get a quote.
Business & Commercial
General liability, commercial property, and business owner's policies for companies of any size.
Who needs it: Any business owner who leases or owns commercial space, carries inventory, or wants protection against third-party claims.
Typically includes:
- Third-party bodily injury & property damage claims
- Commercial property, equipment & inventory
- Product liability for goods you sell
- Often bundled as a Business Owner's Policy (BOP)
Health Insurance
Individual, family, and small-group health plans, including ACA marketplace options.
Who needs it: Individuals, families, and small employers who need medical, dental, or vision coverage.
Typically includes:
- Doctor visits, hospitalization & prescriptions
- Preventive care and annual checkups
- Dental and vision add-ons
- Small-group plans for employers
Life Insurance
Term and whole life policies that protect your family's financial future.
Who needs it: Anyone with dependents, a mortgage, or income they want protected if something happens to them.
Typically includes:
- Term life for a fixed number of years
- Whole life with a cash-value component
- Mortgage protection riders
- Coverage for business partners (key-person)
Auto Insurance
Personal and commercial auto policies covering liability, collision, and comprehensive damage.
Who needs it: Any licensed driver or business that operates vehicles, from a single car to a delivery fleet.
Typically includes:
- Liability for injury or damage you cause
- Collision & comprehensive for your own vehicle
- Uninsured/underinsured motorist coverage
- Commercial fleet policies for businesses
Home & Property
Homeowners, renters, and landlord policies protecting your property and belongings.
Who needs it: Homeowners, renters, and landlords who want their property and liability exposure covered.
Typically includes:
- Dwelling & structure coverage
- Personal belongings and contents
- Liability if someone is injured on your property
- Landlord policies for rental units
Workers' Compensation
State-mandated coverage for employee injuries and lost wages on the job.
Who needs it: Any business with employees — required in most states once you hire your first worker.
Typically includes:
- Medical treatment for workplace injuries
- Partial wage replacement during recovery
- Disability & death benefits
- Required in nearly every state with employees
Cyber Liability
Coverage for data breaches, ransomware, and other digital threats to your business.
Who needs it: Any business that stores customer data, processes payments, or relies on digital systems.
Typically includes:
- Data breach notification & response costs
- Ransomware and extortion coverage (varies by carrier)
- Business interruption from an outage
- Third-party liability for a compromised client
General & Professional Liability
Protection against third-party injury claims and errors-and-omissions exposure.
Who needs it: Contractors, consultants, and service providers who give advice or work on client property.
Typically includes:
- Bodily injury & property damage claims
- Errors & omissions (E&O) for professional advice
- Legal defense costs
- Often required by landlords and client contracts
How to decide what you actually need
Insurance shopping gets easier once you separate "required," "recommended," and "nice to have."
List what you need to protect
People, property, income, or a service you provide to clients — start with what a loss would actually cost you.
Weigh required vs. optional coverage
Some coverage (like workers' comp) isn't optional once you hit a threshold; other coverage is about risk tolerance.
Talk to more than one agent
Coverage recommendations can vary — comparing a couple of opinions helps you spot what's essential versus upsold.
Revisit it as things change
A new hire, a new location, or a new client contract can all shift what you need covered.