Flood insurance is a type of property insurance that provides coverage against damage from flooding, which is not covered by standard homeowner’s insurance policies. It is typically offered by the National Flood Insurance Program (NFIP) in the United States, which is managed by the Federal Emergency Management Agency (FEMA). Flood insurance is typically required for […]

Cyber insurance is a type of insurance that provides coverage for financial losses and liabilities resulting from cyber attacks or data breaches. It typically covers costs such as business interruption, data recovery, liability to third parties, and legal expenses. It can also provide access to resources such as forensic experts and public relations specialists to

Business insurance is a type of insurance that protects companies and their owners from financial losses due to unexpected events such as accidents, natural disasters, and lawsuits. Some common types of business insurance include: General liability insurance: covers third-party claims of bodily injury or property damage Property insurance: covers damage to or loss of business

Umbrella insurance is a type of liability insurance that provides additional coverage beyond the limits of your standard homeowners, auto, or watercraft insurance policies. It can help protect you financially in the event that you are held liable for injuries or damage caused by you or members of your household. Umbrella insurance typically covers a

Pet insurance is a type of insurance policy that covers veterinary costs for an animal in case of illness or injury. Policies typically include coverage for things like diagnostic tests, surgeries, and prescription medications. Some policies may also cover routine care such as vaccinations and check-ups. Premiums for pet insurance policies can vary depending on

Travel insurance is a type of insurance that covers various risks that may occur while traveling, such as trip cancellation, medical emergencies, lost or stolen luggage, and other unforeseen events. It can also provide coverage for emergency evacuation and assistance services. It is important to review the coverage and exclusions of a travel insurance policy

Liability insurance is a type of insurance that protects individuals and businesses from financial losses caused by third-party claims of bodily injury or property damage. It can provide coverage for legal defense costs and any resulting judgments or settlements. Examples of common types of liability insurance include general liability, automobile liability, and professional liability. What

Long-term care insurance (LTCI) is a type of insurance policy that helps cover the cost of long-term care services, such as in-home care, assisted living, or nursing home care. These policies typically pay a set daily or monthly benefit amount and have a maximum benefit period, such as three years or until the policyholder reaches

Disability insurance is a type of insurance that provides financial benefits to individuals who are unable to work due to a disability or injury. The benefits can include a portion of the individual’s lost income, as well as coverage for medical expenses. Some disability insurance policies are provided by employers, while others can be purchased

Life insurance is a contract between an individual and an insurance company in which the individual pays regular premiums and the insurance company pays a lump sum or a series of payments to the individual’s designated beneficiaries in the event of the individual’s death. The purpose of life insurance is to provide financial protection for