Personal Insurance
Personal Auto Insurance
Protects you against the financial impact of accidents, vehicle damage, theft, and liability while driving. Coverage can be tailored to your vehicle, driving habits, and individual needs, helping cover both your own losses and claims from others when you're responsible.
Homeowners Insurance
Helps protect your home and personal belongings against covered events such as fire, theft, certain types of water damage, and other unexpected losses. It can also include personal liability protection and coverage for additional living expenses when a covered loss makes your home temporarily uninhabitable.
Condo Insurance
Designed for condominium owners, this coverage can protect your unit's improvements, personal belongings, and personal liability. It works alongside the condominium corporation's insurance and can help address gaps involving your individual unit and possessions.
Tenant / Renters Insurance
Provides protection for renters who don't own the building they live in. It can cover personal belongings against covered losses, provide personal liability protection, and potentially help with additional living expenses if a covered event makes the rental temporarily unlivable.
Rental Property Insurance
Designed for owners of residential properties that are rented to tenants. Coverage can help protect the building and other eligible property while also addressing landlord liability and certain risks associated with owning and renting out the property.
High-Value Home Insurance
Provides specialized coverage for higher-value homes, possessions, and lifestyles that may require broader limits or more customized protection than a standard homeowners policy. It can be designed around valuable property, collections, fine items, unique homes, and other higher-value exposures.
Boat & Watercraft Insurance
Protects boats and eligible recreational watercraft against covered risks such as physical damage, theft, and liability. Depending on the policy, coverage can also address equipment and other items associated with your watercraft.
Commercial Insurance
Commercial Auto Insurance
Designed for vehicles used in connection with a business, including cars, vans, trucks, and other commercial vehicles. It can provide protection against vehicle damage, accidents, third-party liability, and other risks associated with business-related driving.
Fleet Insurance
Provides a coordinated insurance solution for businesses operating multiple vehicles. Instead of managing separate policies for each vehicle, fleet coverage can provide broader and more streamlined protection for a company's commercial vehicles and drivers.
Commercial General Liability (CGL)
One of the fundamental liability coverages for many businesses. It can protect against certain third-party claims involving bodily injury, property damage, and personal or advertising injury arising from your business operations, products, or premises.
Commercial Property Insurance
Protects the physical assets a business relies on to operate. Depending on the policy, this can include buildings, equipment, inventory, furniture, fixtures, and other business property against covered losses such as fire, theft, and certain other insured events.
Restaurant Insurance
Designed around the unique risks faced by restaurants, cafés, bars, and food-service businesses. Coverage can address property, equipment, general liability, business operations, and other exposures associated with serving customers and operating a food establishment.
Builders Risk / Construction Insurance
Provides coverage for buildings and materials while a construction or renovation project is underway. It can help protect the project against covered physical losses involving the structure, materials, equipment, and other eligible property during the construction period.
Contractors Insurance
Designed for contractors and tradespeople working across construction, renovation, maintenance, and related industries. Coverage can address general liability, tools and equipment, vehicles, property, and other risks that can arise while working at a job site or on behalf of clients.
Professional Liability / Errors & Omissions
Protects professionals against certain claims alleging that their advice, services, or professional work caused a client financial loss. It can be particularly relevant to businesses where expertise, recommendations, or professional services form a major part of what they provide.
Cyber Liability Insurance
Helps businesses respond to the financial and operational consequences of cyber incidents such as data breaches, hacking, ransomware, and certain privacy-related events. Depending on the coverage, it may address incident response, notification expenses, business interruption, and certain third-party claims.
Directors & Officers (D&O) Insurance
Provides liability protection for directors, officers, and certain company leaders against covered claims arising from decisions or actions taken in their management roles. It can be particularly important for corporations, organizations, and businesses where leadership decisions create potential legal exposure.
Pollution Liability
Designed for businesses that may face environmental risks involving pollution, contamination, or accidental releases. Coverage can help address certain cleanup expenses, third-party claims, and liability arising from covered pollution incidents.
Commercial Package Policies
Combines multiple commercial insurance coverages into a coordinated policy designed around a business's specific risks. A package may bring together property, liability, business interruption, and other relevant coverages, providing a more comprehensive insurance solution than purchasing isolated policies.