🏥 1. Health Insurance

Covers medical expenses such as doctor visits, hospital stays, surgeries, and prescription drugs.

• Providers: Private insurers, government programs (e.g., Medicare, Medicaid).

• Types: Individual plans, family plans, employer-sponsored plans.

🚗 2. Auto Insurance

Protects vehicle owners from financial loss due to accidents, theft, or damage.

• Coverage types: Liability, collision, comprehensive, uninsured motorist, medical payments.

• Required: By law in most regions.

🏠 3. Homeowners / Property Insurance

Covers damage or loss to a home and its contents due to fire, theft, storms, or other perils.

• Can also include liability coverage if someone is injured on your property.

👨‍👩‍👧 4. Life Insurance

Provides financial support to beneficiaries after the policyholder’s death.

• Types: Term life (for a set period) or whole life (lifetime coverage with cash value).

• Often used for income replacement, debt payoff, or estate planning.

💼 5. Business / Commercial Insurance

Protects businesses from financial losses due to property damage, lawsuits, or employee-related risks.

• Common coverages: General liability, property, workers’ compensation, professional liability, cyber insurance.

✈️ 6. Travel Insurance

Covers trip cancellations, lost luggage, medical emergencies, or other unexpected events while traveling.

🌾 7. Specialty & Niche Insurance

Covers unique risks — e.g., pet insurance, wedding insurance, marine insurance, crop insurance, etc.

🧩 Insurance Services Also Include

• Underwriting: Assessing risks and setting premiums.

• Claims Handling: Helping clients recover losses.

• Risk Management: Advising clients on minimizing risks.

• Brokerage & Consulting: Finding the best policies across different insurers.