Property and Casualty (P&C) insurance can be broken down into several categories:
Property and Casualty (P&C) insurance can be broken down into several categories:
- Property Insurance: Covers damage to or loss of property, including:
- Homeowners insurance
- Commercial property insurance
- Renters insurance
- Flood insurance
- Earthquake insurance
- Casualty Insurance: Covers liability for damage or injury to others, including:
- Auto insurance (bodily injury and property damage)
- General liability insurance (business)
- Workers’ compensation insurance
- Umbrella insurance (excess liability)
- Personal Lines: Covers individuals and families, including:
- Homeowners insurance
- Auto insurance
- Renters insurance
- Umbrella insurance
- Commercial Lines: Covers businesses and organizations, including:
- Commercial property insurance
- General liability insurance
- Workers’ compensation insurance
- Business auto insurance
- Specialty Lines: Covers unique or niche risks, including:
- Cyber insurance
- Directors and officers liability insurance
- Environmental insurance
- Professional liability insurance ( Errors and Omissions)
- Excess and Surplus Lines: Covers high-risk or unusual risks that don’t fit into standard insurance categories.
P&C insurance policies typically include:
- Premium (amount paid for coverage)
- Deductible (amount paid out-of-pocket before insurance kicks in)
- Limit (maximum amount paid by insurance)
- Policy period (duration of coverage)
- Perils (specific risks covered, such as fire, theft, or liability)
Understanding these categories and components can help you navigate the complex world of Property and Casualty insurance.
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