Protection tailored to your needs.
From everyday risks to a corporate program. Choose a line — we will compare the terms together.
Business owners policy (BOP)
A business owners policy bundles commercial property, general liability and business income coverage into one package designed for small and midsize companies with standard risks.
General liability insurance
Commercial general liability insurance pays defense costs and damages when your business is blamed for bodily injury, property damage or personal and advertising injury to others.
Commercial property insurance
Commercial property insurance pays to repair or replace your buildings, equipment, inventory and furniture after fire, storm, theft and other covered events, and can replace lost income.
Workers compensation insurance
Workers compensation insurance pays medical bills, lost wages and death benefits for employees hurt on the job, and protects employers from most related lawsuits. Nearly every state requires it.
Commercial auto insurance
Commercial auto insurance covers liability and damage involving vehicles your business owns, leases, hires or lets employees drive, from a single van to a fleet of trucks.
Professional liability insurance (E&O)
Professional liability insurance, also called errors and omissions or malpractice insurance, covers claims that your advice or services caused a client financial loss or injury.
Directors and officers insurance (D&O)
Directors and officers insurance protects the personal assets of board members and executives, and the company itself, against claims alleging wrongful acts in managing the organization.
Cyber insurance
Cyber insurance helps a business respond to data breaches, ransomware and other cyber incidents, paying for forensics, notification, lost income, extortion and liability claims.
Cargo insurance
Cargo insurance pays for loss or damage to goods in transit by sea, air, truck or rail, whoever is at fault. Learn the Institute Cargo Clauses, carrier liability limits and how to insure shipments.
Construction insurance
Construction insurance protects projects and contractors: builder's risk for the works, contractors' liability, equipment and surety bonds. See what is covered, what is excluded and how projects are priced.
Energy insurance
Energy insurance covers oil and gas, power and renewable assets: physical damage, control of well, business interruption, pollution and liability, placed in a global specialty market led by London.
Aviation insurance
Aviation insurance covers aircraft hull damage and liability to passengers and third parties for airlines, charter operators, corporate fleets, private owners, airports and drone operators.
Marine insurance (hull and P&I)
Marine insurance protects shipowners and operators: hull and machinery for the vessel, protection and indemnity (P&I) for liabilities, plus war, loss of hire and the certificates ports require.
Agricultural insurance (crop and livestock)
Agricultural insurance protects farm income and assets: federal crop insurance for yield and revenue, livestock price and margin plans, pasture and forage cover, plus farm property and liability.
Employee benefits insurance
Employee benefits insurance lets employers offer group health, life and disability coverage. Learn plan types, ERISA, ACA and COBRA rules, what drives cost and how to compare group plans.
Auto insurance
Auto insurance pays for injuries and damage you cause to others and for damage to your own car. Learn the coverage types, state rules and what drives the price.
Homeowners insurance
Homeowners insurance protects your house, other structures, belongings and personal liability, and pays extra living costs after a covered loss. See what it covers and excludes.
Renters insurance
Renters insurance covers your belongings, your personal liability and extra living costs if your rental becomes unlivable. Your landlord's policy covers the building, not you.
Life insurance
Life insurance pays a death benefit to your beneficiaries to replace income, pay debts and fund goals. Compare term and permanent coverage, riders, pricing and claims.
Health insurance
Health insurance pays for doctor visits, hospital stays, prescriptions and preventive care. Learn how Marketplace metal tiers, networks, deductibles and enrollment periods work.
Travel insurance
Travel insurance reimburses prepaid trip costs and pays for emergency medical care, evacuation and lost baggage away from home. See what plans cover and what they exclude.
Pet insurance
Pet insurance reimburses veterinary bills for accidents and illnesses, with optional wellness add-ons for routine care. Learn plan types, exclusions, pricing and claims.
Disability insurance
Disability insurance replaces part of your paycheck if illness or injury keeps you from working. Compare short-term and long-term plans, definitions of disability and benefit periods.
Umbrella insurance
Umbrella insurance adds liability protection above your home and auto policies and can cover claims like libel or slander. Learn how it works, who needs it and what it excludes.
Annuities
An annuity is an insurance contract that turns savings into guaranteed income or tax-deferred growth. Compare fixed, indexed and variable annuities, fees, surrender charges and taxes.
Insurance reference
Materials on mandatory and optional insurance and services for individuals and businesses.
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