Every kind of agent, clearly labeled.

Auto insurance

liability coverage · collision coverage · comprehensive coverage · uninsured motorist coverage

For: buying a new car, switching carriers, a recent accident or ticket, adding a teen driver

Homeowners insurance

dwelling coverage · personal property coverage · liability coverage · loss-of-use coverage

For: buying a home, refinancing, after a renovation, reviewing an outdated policy

Renters insurance

personal property coverage · liability coverage · loss-of-use coverage

For: moving into a new rental, a landlord requiring proof of coverage, protecting belongings

Condo insurance (HO-6)

interior unit coverage · personal property coverage · loss assessment coverage

For: buying a condo, understanding what the HOA master policy covers, closing a coverage gap

Umbrella insurance

excess liability coverage · personal injury coverage · worldwide liability coverage

For: owning a home and vehicles, a pool or trampoline on the property, wanting coverage above auto/home limits

Term life insurance

level term policies · decreasing term policies · convertible term policies

For: a new baby, a new mortgage, replacing income for a set number of years

Whole life insurance

permanent life coverage · cash-value policies · final expense policies

For: wanting lifelong coverage, estate planning conversations, covering final expenses

Disability insurance

short-term disability · long-term disability · own-occupation policies

For: being the household's main earner, self-employment income protection, an employer policy that feels too thin

Long-term care insurance

home care benefits · assisted living benefits · nursing home benefits

For: planning for aging parents, approaching retirement, a family history of needing long-term care

Health insurance

marketplace plans · employer plans · short-term health plans

For: losing employer coverage, open enrollment, self-employment

Medicare plans

Medicare Supplement (Medigap) plans · Medicare Advantage plans · Part D prescription drug plans

For: turning 65, losing employer coverage after 65, comparing Medigap and Medicare Advantage

Dental & vision insurance

standalone dental plans · standalone vision plans · bundled dental/vision riders

For: no dental/vision through an employer, a planned procedure, annual eye exam coverage

Pet insurance

accident-only plans · accident & illness plans · wellness add-ons

For: a new puppy or kitten, a breed prone to health issues, a recent unexpected vet bill

Travel insurance

trip cancellation coverage · travel medical coverage · baggage & delay coverage

For: an upcoming international trip, a non-refundable booking, travel during storm or flu season

Flood insurance

NFIP policies · private flood policies

For: living in or near a flood zone, a mortgage lender requiring it, a homeowners policy that excludes flood

Earthquake insurance

earthquake endorsements · standalone earthquake policies

For: living in a seismic zone, a homeowners policy that excludes earthquake, after regional seismic activity

General liability insurance

bodily injury coverage · property damage coverage · products-completed operations coverage

For: starting a business, a client or landlord requiring proof of coverage, signing a new lease

Commercial property insurance

building coverage · business personal property coverage · business income coverage

For: owning or leasing commercial space, protecting equipment and inventory, after a fire or storm in the area

Business Owner's Policy (BOP)

bundled general liability + property · business interruption coverage

For: a small business wanting one combined policy, simplifying renewals, a lender or landlord requirement

Workers' compensation insurance

statutory workers' comp coverage · employer's liability coverage

For: hiring the first employee, state requirements for any employee count, a recent workplace injury

Commercial auto insurance

liability coverage for business vehicles · hired & non-owned auto coverage · cargo coverage

For: using a personal vehicle for work, adding a company vehicle or fleet, delivery or rideshare-adjacent work

Professional liability / E&O insurance

errors & omissions coverage · malpractice-style coverage for non-medical professions

For: giving professional advice or services, a client contract requiring E&O, a mistake that could trigger a lawsuit

Cyber insurance

data breach coverage · ransomware & extortion coverage · business interruption from a cyber event

For: storing customer data, a recent breach in the industry, a client or vendor requiring cyber coverage

Directors & officers (D&O) insurance

D&O liability coverage · entity coverage · side-A/B/C structures

For: forming a board, raising outside investment, a nonprofit board requiring protection

Product liability insurance

product liability coverage · recall expense coverage

For: manufacturing or selling a physical product, a retailer requiring proof of coverage, expanding distribution

Surety bonds

license & permit bonds · contract/performance bonds · fidelity bonds

For: a state or city requiring a bond to operate, bidding on a contract, an employee-theft exposure

Key person insurance

key person life coverage · key person disability coverage

For: a founder or partner the business depends on, a lender requiring it, funding a buy-sell agreement