Insurance lines, with the caveats attached
20 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.
8 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
Employment practices liability
Cover for claims arising from the employment relationship: discrimination, harassment, retaliation, and the related failures the law treats as wrongs in themselves. The policy form is not public and differs by
Surety bonds
A promise to be liable for the debt, default or failure of another. A surety bond is a three-party contract in which the surety guarantees the performance of the principal to a third party, the obligee. Califor
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
10 published lines
Condominium unit owners insurance (California)
The policy an individual owner buys for the part of a common interest development that is theirs, written against a boundary set by statute and by the declaration rather than by the policy. Unless the declarati
Flood insurance (National Flood Insurance Program)
Cover for direct physical loss by or from flood, written in the United States mostly on a policy form that is itself federal regulation. The Standard Flood Insurance Policy Dwelling Form is codified at 44 CFR p
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
Renters insurance (California)
The policy a tenant buys for the half of the building the landlord does not insure. The regulator states it plainly: the landlord does not provide insurance for the tenant's personal property. A renters policy
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
Scheduled personal property (California)
Cover for individually listed items that an ordinary contents limit will not fully answer. The reason it exists is a feature of homeowners policies rather than of the items: coverage on certain property especia
Title insurance (California)
The one line here that does not answer future events. California defines title insurance as insuring, guaranteeing or indemnifying owners of property or holders of liens against loss suffered by reason of liens
Wildfire coverage and availability (California)
Wildfire is not a policy you buy. It is a peril the residential property form already covers, and the questions that actually arise are about availability rather than coverage: whether the policy will be renewe
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