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Specialty lines
The coverages that don't fit a standard policy — flood, bonds, professional liability, events, and more. If you're not sure which one you need, ask and we'll tell you plainly.
Flood
Never included in a home or commercial policy. It has to be bought separately, through the NFIP or a private carrier.
Surety & contractor bonds
Not insurance, exactly. A bond guarantees to someone else that you'll perform — and if you don't, you repay the surety.
Professional liability (E&O)
For businesses that give advice or perform a service. General liability covers injury and damage; this covers being wrong.
Directors, officers & employment practices
Covers the people running the company, and claims brought by the people working for it.
Event insurance
One-off liability for a wedding, festival, tournament, or conference. Most venues now require it before they hand over the keys.
Boats, RVs, motorcycles & classics
Your auto and home policies mostly exclude these. Each needs its own form.
Farm & ranch
For acreage, barns, livestock, and equipment. A homeowners policy stops at the house.
Life & disability
Term life, final expense, and income protection. These are life and health lines, not property and casualty.
Health & Medicare
Individual and family plans, small group employee benefits, and Medicare. Also a life and health line rather than property and casualty.