Inszone Insurance Services

Products And Services

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  General Liability

  Shields your company from third-party bodily‑injury, property‑damage and personal/advertising‑injury claims, and pays defence costs.

  Link: General Liability

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  Workers’ Compensation

  Pays injured employees’ medical bills, wage replacement and employer‑liability defence, keeping you compliant in all 50 states.

  Link: Workers’ Compensation

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  Commercial Auto & Trucking

  Covers company cars, vans and heavy trucks for liability, physical damage and mandated filings, with carrier shopping for best rates.

  Link: Commercial Auto & Trucking

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  Commercial Property

  Protects buildings, contents and business‑income from fire, theft, wind and other named perils—owner‑ or tenant‑occupied.

  Link: Commercial Property

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  Business Owner’s Policy (BOP)

  Bundles GL + property (and often BI & EPLI) into one small‑business package with a single premium and invoice.

  Link: Business Owner’s Policy (BOP)

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  Commercial Package

  Lets mid‑market firms bundle multiple lines (GL, auto, WC, umbrella, more) under one master policy for pricing & admin efficiency.

  Link: Commercial Package

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  Bonds (Surety & Fidelity)

  Provides contract, license/permit, court, fidelity and other surety guarantees so you meet legal or project obligations.

  Link: Bonds (Surety & Fidelity)

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  Product Liability

  Pays defence and judgments if something you make, distribute or sell injures people or damages property.

  Link: Product Liability

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  Umbrella & Excess

  Adds $1 m+ of extra limits over GL, auto, WC or E&O, satisfying large‑contract requirements and guarding against “nuclear” verdicts.

  Link: Umbrella & Excess

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  Management & Professional Liability (E&O)

  Covers suits alleging professional errors, omissions, mismanagement or breach of duty by owners, officers or staff.

  Link: Management & Professional Liability (E&O)

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  Inland Marine – Tools & Equipment

  Reimburses contractors for stolen, lost or damaged tools/materials in transit or on site; can include installation floaters.

  Link: Inland Marine – Tools & Equipment

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  Cyber Liability

  Pays breach‑response costs, ransomware, business‑interruption and third‑party liability from cyber incidents—even for remote staff.

  Link: Cyber Liability

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  Cargo

  Covers your own or customers’ goods while hauled over‑the‑road (a gap most property and auto policies exclude).

  Link: Cargo

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  Towing & On‑Hook

  Special liability for tow operators that protects customer vehicles while hooked up, plus garage‑keepers & roadside exposures.

  Link: Towing & On‑Hook

• Contractors

  Trades & GC package with GL, WC, inland‑marine and surety options, built around job‑site risks.

  Link: Contractors

• Healthcare Services

  Tailors med‑spa/clinic liability, malpractice & cyber to HIPAA‑sensitive operations.

  Link: Healthcare Services

• Commercial Property Owners

  Owner‑occupied or lessor’s‑risk coverage blending building, loss‑of‑rent and liability.

  Link: Commercial Property Owners

• Professional Services

  E&O‑centric protection for lawyers, accountants, marketers and other white‑collar firms.

  Link: Professional Services

• Entertainment & Special Events

  Covers production crews, venues and one‑off or annual events for liability, equipment and cancellation.

  Link: Entertainment & Special Events

• Garage & Dealers

  Combines garage‑keepers, dealers’ open‑lot, faulty‑workmanship and mobile‑mechanic coverages.

  Link: Garage & Dealers

• Restaurant & Bar

  Blends GL, liquor, food‑borne‑illness, equipment breakdown and BI for eateries of any style.

  Link: Restaurant & Bar

• HOA Liability

  Packages property, GL, D&O and umbrella for homeowner associations and common‑area risks.

  Link: HOA Liability

• Auto

  Liability, comp/collision, optional rideshare, roadside & more for everyday vehicles.

  Link: Auto

• Motorcycle / ATV

  Liability plus collision, accessories and optional medical‑pay for bikes & off‑road units.

  Link: Motorcycle / ATV

• Boat & Watercraft

  Hull, liability, trailer and on‑water towing for everything from PWCs to yachts.

  Link: Boat & Watercraft

• RV & Travel Trailer

  Physical‑damage, vacation‑liability and personal‑effects for motorhomes and towables.

  Link: RV & Travel Trailer

• Classic & Collector Car

  Agreed‑value, limited‑use policies that keep antique or exotic cars insured at true worth.

  Link: Classic & Collector Car

• Rideshare

  Fills the coverage gap between personal auto and Uber/Lyft commercial phases.

  Link: Rideshare

• Homeowners

  Dwelling, contents and liability protection for owner‑occupied homes.

  Link: Homeowners

• Renters

  Personal‑property and tenant‑liability coverage for apartments or leased homes.

  Link: Renters

• Landlord

  Structure, loss‑of‑rent and landlord‑liability for non‑owner‑occupied dwellings.

  Link: Landlord

• Flood & Earthquake

  Stand‑alone or NFIP‑backed policies for water or seismic‑loss gaps.

  Link: Flood & Earthquake

• Vacant & Renovation Property

  Special‑form coverage for houses under remodel or sitting empty.

  Link: Vacant & Renovation Property

• Mobile & Manufactured Home

  Tailored dwelling and contents protection for factory‑built homes.

  Link: Mobile & Manufactured Home

• Personal Umbrella

  Adds $1–5 m+ of liability over auto/home/boat limits, plus libel & slander.

  Link: Personal Umbrella

• Life Insurance

  Term, whole, universal and variable life for income‑replacement and legacy needs.

  Link: Life Insurance

• Pet Insurance

  Reimburses vet bills for accidents, illnesses and hereditary conditions.

  Link: Pet Insurance

• Mexico Travel

  Auto & medical coverage recognised south of the border for U.S. travellers.

  Link: Mexico Travel

• Special‑Event

  Event‑day liability, property damage and cancellation coverage for weddings, festivals, etc.

  Link: Special‑Event

• Identity‑Theft

  Pays recovery expenses and offers monitoring/restoration help after ID fraud.

  Link: Identity‑Theft

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  Group Health

  Medical, Rx and preventive care plans that help recruit & retain talent.

  Link: Group Health

• Group Vision & Dental

  Affordable eye‑care and dental coverage added to employer plans.

  Link: Group Vision & Dental

• Group Life

  Employer‑paid (or voluntary) term life providing a lump‑sum death benefit to families.

  Link: Group Life

• Group Disability

  Short‑ and long‑term income replacement when employees can’t work due to illness/injury.

  Link: Group Disability

• Group Legal

  Low‑cost access to attorney networks for wills, family law, landlord‑tenant and more.

  Link: Group Legal

• Group Identity‑Theft

  Monitoring and restoration services bundled for employees and families.

  Link: Group Identity‑Theft

• Individual Health / Vision / Dental

  ACA‑compliant or private plans for self‑employed or retirees.

  Link: Individual Health / Vision / Dental

• Individual Disability

  Protects personal income streams when illness or accident strikes.

  Link: Individual Disability

• Medicare, Long‑Term Care & Annuities

  Senior‑market health, extended‑care and retirement‑income solutions.

  Link: Medicare, Long‑Term Care & Annuities