Insurance Resources & Coverage Guides
Every line we place, explained in plain English: who needs it, what it covers, what it does not, and what underwriters look at in Texas and Florida. Plus free tools. No sign-up, nothing tracked.
Free Tools
Wind/Hail Percentage Deductible Calculator
See what a 1%, 2%, 3%, or 5% wind/hail or named-storm deductible costs on your building limit, in dollars, next to a flat deductible.
Open → DiagnosticSmart Intake Coverage Diagnostic
Check the lines you need and answer only the underwriting questions that apply. Two minutes, then a licensed advisor compares 30+ carriers.
Start → IndustriesIndustry Playbooks
Construction, healthcare, life sciences, nonprofits, real estate, and short-term rentals: the coverage stack each one actually needs.
Browse →Business Liability Guides
General Liability Insurance
Third-party bodily injury, property damage, and personal/advertising injury arising from your premises, operations, products, and completed work.
Read the guide → Business LiabilityWorkers' Compensation Insurance
Medical, wage-replacement, and death benefits for employees injured on the job, plus employer's liability for related lawsuits.
Read the guide → Business LiabilityCommercial Auto Insurance
Liability and physical damage for vehicles owned, leased, or used by your business.
Read the guide → Business LiabilityHired & Non-Owned Auto (HNOA)
Liability coverage when employees drive rented vehicles or their own cars for company business.
Read the guide → Business LiabilityTrucking & Motor Carrier Insurance
Auto liability, cargo, and physical damage for for-hire and private carriers operating under DOT authority.
Read the guide → Business LiabilityGarage & Auto Service Insurance
Liability and garagekeepers coverage for shops, dealers, detailers, and car washes that work on or hold customers' vehicles.
Read the guide → Business LiabilityCommercial Property Insurance
Buildings, contents, equipment, and business income for the locations your business owns or leases.
Read the guide → Business LiabilityCommercial Flood Insurance
Building and contents coverage for rising water, storm surge, and overflow, which every standard property policy excludes.
Read the guide → Business LiabilityBusiness Owners Policy (BOP)
A packaged policy combining general liability, property, and business income for small and mid-size businesses that fit carrier eligibility.
Read the guide → Business LiabilityCyber Liability Insurance
First- and third-party coverage for data breaches, ransomware, business interruption from network events, and funds-transfer fraud.
Read the guide → Business LiabilityCommercial Umbrella & Excess Liability
Additional limits above your general liability, auto, and employer's liability policies.
Read the guide →Specialized Trade Guides
General Contractor & Construction Insurance
The full program for GCs and subs: GL, workers' comp, auto, builders risk, inland marine, and bonds.
Read the guide → Specialized TradeRoofing Contractor Insurance
GL, workers' comp, and auto for one of the hardest trades to place, with the exclusions that deny roofing claims explained.
Read the guide → Specialized TradeArtisan Trade Insurance (Electrical, Plumbing, HVAC)
GL, comp, auto, and tools coverage for licensed service and installation trades.
Read the guide → Specialized TradeRestaurant, Bar & Nightclub Insurance
Property, GL, liquor liability, and assault-and-battery coverage for food and beverage operations.
Read the guide → Specialized TradeCar Wash Insurance
GL, garagekeepers, property, equipment breakdown, and environmental coverage for express, full-service, and self-serve washes.
Read the guide → Specialized TradeHealth Care & Medical Practice Insurance
Malpractice, GL, cyber, EPLI, and property for physician groups, clinics, med spas, and senior living.
Read the guide → Specialized TradeShort-Term Rental (Airbnb / VRBO) Insurance
Commercial dwelling, loss of rental income, and guest liability for nightly-rental properties that homeowners policies exclude.
Read the guide → Specialized TradeNon-Profit & Church Insurance
D&O, abuse liability, volunteer coverage, event liability, property, and cyber for mission-driven organizations.
Read the guide → Specialized TradeLife Sciences Insurance
Product liability, clinical trial coverage, cyber, D&O, and E&O for biotech, pharma, medical device, and CRO companies.
Read the guide →Commercial Property Guides
Multifamily & Apartment Insurance
Property, general liability, loss of rents, and umbrella for apartment owners and multifamily investors.
Read the guide → Commercial PropertyIndustrial & Warehouse Insurance
Lessor's risk, property, and liability for flex, light-industrial, and warehouse owners and occupants.
Read the guide → Commercial PropertyRetail & Shopping Center Insurance
Property, LRO liability, and loss of rents for strip centers, anchored retail, and mixed-use.
Read the guide → Commercial PropertyOffice Building Insurance
Property and liability for owner-occupied and leased office space.
Read the guide → Commercial PropertySelf-Storage Facility Insurance
Property, LRO, business income, cyber, and crime for single-site and portfolio storage operators.
Read the guide → Commercial PropertyBuilders Risk & Vacant Building Insurance
Coverage for structures under construction or renovation, and for buildings without occupants.
Read the guide → Commercial PropertyReal Estate D&O / E&O Insurance
Management liability for property managers, syndications, REITs, developers, and associations.
Read the guide →Personal Lines Guides
Homeowners Insurance
Dwelling, other structures, contents, loss of use, and personal liability for owner-occupied homes.
Read the guide → Personal LinesPersonal Auto Insurance
Liability, collision, comprehensive, uninsured motorist, and medical coverage for personal vehicles.
Read the guide → Personal LinesPersonal Umbrella Insurance
$1M or more of liability above your home, auto, and boat policies for a few hundred dollars a year.
Read the guide → Personal LinesFlood Insurance (NFIP & Private)
Building and contents coverage for rising water, which every homeowners policy excludes.
Read the guide → Personal LinesRenters Insurance
Personal property, liability, and additional living expense for tenants, typically $15–$25 per month.
Read the guide → Personal LinesValuables & Jewelry Insurance
Scheduled coverage for jewelry, watches, art, and collectibles at appraised value, usually with no deductible and worldwide coverage.
Read the guide → Personal LinesBoat & Watercraft Insurance
Hull, liability, uninsured boater, and towing coverage for bay boats, offshore vessels, pontoons, and personal watercraft.
Read the guide →Professional Liability Guides
Technology & Software E&O
Professional liability for software, SaaS, IT services, and developers, usually packaged with cyber.
Read the guide → Professional LiabilityConsultants E&O (Professional Liability)
Coverage for financial loss to clients caused by your advice, services, or errors.
Read the guide → Professional LiabilityMedical Malpractice Insurance
Professional liability for physicians, nurse practitioners, PAs, therapists, and allied health providers.
Read the guide → Professional LiabilityArchitects & Engineers E&O
Professional liability for design errors, omissions, and negligence on projects you design, review, or certify.
Read the guide → Professional LiabilityReal Estate Brokers & Agents E&O
Professional liability for brokerages and agents for errors in transactions, disclosures, and representation.
Read the guide →Not sure which guide you need?
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