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Property & Casualty Insurance
P&C insurance, or property and casualty insurance, is an umbrella term that covers a variety of insurance products. Put simply, it's insurance protection that aids in safeguarding your valuables, such as your personal belongings. The "property" portion of P&C insurance refers to protection for property that you own. This includes things like your home, car, motorcycle, golf cart, rental property, or personal possessions. Casualty insurance provides liability protection, which helps protect you if you're found legally responsible for an accident that causes injuries to others or if you damage another person's property.
Home Insurance may cover...
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Damage to your home. If your roof is damaged during a major thunderstorm, dwelling coverage on your homeowners policy may pay to repair the damage exceeding your deductible, up to your coverage limits.
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Damage to your personal property. If your personal belongings, including furniture, clothing, or electronics are damaged as the result of a covered peril, personal property coverage may pay to replace your possessions, up to your policy’s coverage limits. A deductible may apply.
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Injuries to others. If someone slips on the stairs in your home and is injured, personal liability coverage may pay their medical bills and your legal costs, up to the coverage limits of your policy.
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Damage to someone else's property. If you’re legally responsible for someone else’s damages, your home policy’s liability coverage may cover the costs, up to your coverage limits.
Auto Insurance may cover...
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Injuries to others. Bodily injury liability coverage can pay for medical and legal bills, up to your coverage limits, if you hurt someone with your vehicle. This could be the result of a car accident or hitting a pedestrian.
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Damage to another's property. Regardless of whether you drive your car into another person's vehicle, mailbox, fence, or other property, liability property damage can pay for the damages you’re liable for, up to your coverage limits.
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Damage to your vehicle. Comprehensive is an optional auto insurance coverage that can cover incidents out of your control, including theft, vandalism, hitting an animal, fire, glass breakage, and weather-related issues. Collision, also an optional coverage, pays to repair or replace your vehicle if it’s damaged from hitting another vehicle or object.
Commercial Insurance may cover...
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Property damage: Can cover damage to owned or rented buildings, equipment, tools, merchandise, materials, signs, and windows
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Business interruption: Can cover losses due to business interruption
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Theft: Can cover theft of business property
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Liability: Can cover the cost of lawsuits brought against your business, such as when a customer slips and falls in your business
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Worker injury: Can cover employee injuries
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Cyberattacks: Can cover cyberattacks and data breaches
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Bodily injury: Can cover bodily injuries
