The whole map
US insurance splits into two big families. Personal lines protect you, your family and your things. Commercial lines protect a business. Inside each, policies cover either property (your stuff), liability (harm you cause others) or people (health, income, life).
To see how the pieces split into property, liability and people, and down to single perils, open the insurance tree.
Personal insurance
Your home and things
- Homeowners insurance HO-3, HO-5, HO-2, HO-8
- Renters insurance HO-4
- Condo insurance HO-6
- Landlord insurance DP-1, DP-2, DP-3
- Flood insurance NFIP, private flood
- Earthquake insurance Policy or add-on
Your car
- Car insurance Personal auto
Extra protection
- Umbrella insurance Personal umbrella
Health, life and income
- Health insurance Employer, Marketplace, Medicare, Medicaid
- Life insurance Term, whole, universal
- Disability insurance Short-term, long-term
Travel and pets
- Travel insurance Trip cancellation, delay, medical
- Pet insurance Accident and illness
Business insurance
Most businesses start here
- Business owner's policy BOP
- General liability CGL
- Commercial property CP, causes of loss forms
- Business income insurance Business interruption
Employees and management
- Workers' compensation WC / EL
- Employment and management liability EPLI, D&O, fiduciary
Vehicles, tools and data
- Commercial auto Business auto, HNOA
- Tools, equipment and goods in transit Inland marine
- Cyber insurance Cyber liability
Your professional work
- Professional liability E&O, malpractice
- Commercial umbrella Umbrella, excess