Insurance lines, with the caveats attached
10 lines published. Each page states what the line is designed to protect, what it commonly covers and excludes, and the exact reason those statements are not a coverage determination.
6 published lines
Commercial Auto Insurance
The coverage part that responds when a vehicle used in a business injures someone or damages their property. On the standard form it is built differently from every other commercial line: the policy does not co
Commercial General Liability (CGL)
Commercial general liability insurance pays sums a business becomes legally obligated to pay as damages for third-party bodily injury and property damage. Whether the insurer also carries a duty to defend, and
Commercial Property Insurance
Commercial property insurance pays for direct physical loss of or damage to a business's buildings and business personal property caused by a covered cause of loss. This page is general information about how sp
Community association insurance (California)
The insurance program a California homeowners association buys for itself: property on the common area, general liability, crime and fidelity, and directors and officers cover for the volunteers who run it. Two
Surplus lines (California)
Not a line of insurance so much as a route to one. When no admitted California insurer will write a risk, a licensed surplus line broker may place it with a nonadmitted insurer instead. What changes is not the
Workers Compensation Insurance (California)
California employers are required by statute to secure the payment of workers compensation. Labor Code section 3700 provides that every employer except the state shall secure the payment of compensation in one
4 published lines
Homeowners insurance
Homeowners insurance is a package policy on a residence that combines property coverage on the dwelling, other structures, and personal property with loss of use, personal liability, and medical payments to oth
Landlord / rental dwelling insurance
A landlord or rental dwelling policy insures a residence the owner rents to others rather than occupies. One national carrier's rental dwelling program is described as providing dwelling coverage for covered re
Personal auto insurance (California)
The policy that responds when a private passenger vehicle injures someone, damages property, or is itself damaged. In California more of this line is written by statute than by the form: the minimum limits, the
Residential earthquake insurance (California)
Residential earthquake insurance is bought separately from the homeowners policy, because CDI states that homeowners, renters, and condominium insurance policies do not cover damage from natural disasters such
The rest of the taxonomy, named rather than faked
Personal lines
- Renters
- Condominium unit owners
- Personal auto
- Personal umbrella
- Scheduled valuables
- Flood
- High-net-worth programs
Commercial lines
- Business owners package
- Commercial auto
- Commercial umbrella and excess
- Cyber
- Employment practices liability
- Professional liability
- Directors and officers
- Crime
- Inland marine
- Builders risk
- Surety bonds
- Equipment
Life
- Term life
- Permanent life
- Key person
- Buy-sell funding
Health and benefits
- Group health concepts
- Employee benefits
- COBRA
- Public program explanations