General liability insurance is coverage that is designed to protect a business for a loss arising out of a negligent non-professional act.

Bodily injury and property damage, personal and advertising injury, and medical payments are the three areas that make up a general liability policy.

Bodily Injury and property damage provides legal liability coverage in the event a loss occurs involving property or injury of persons not affiliated with the business due to a negligent act.

Personal and advertising injury protects against offenses such as libel, slander, fasle arrest, copyrite infringment and advertising infringment.

Medical payments is coverage for injuries sustained by the general public on your premises or when exposed to business operations.

Bonds are written to indemnify a third party for default on behalf of the principal. For example, employee dishonesty bonds are written to indemnify the owner on behalf of a dishonest employee.

Court, license & permit, contract, and surety are some of the typical bonds on the market.

Aircraft Policies are written to cover physical damage and liability on the airplane while in the air or on the ground.

Umbrella policies provide an additional layer of liability for the underlying policies (home, auto, boat, and recreational policies). Coverage is activated when the liability limits of the underlying policy is exhausted, or when a claim developes that is not covered by the primary insurance policy. Umbrella coverages are broader and provide bodily injury, personal injury, and property damage coverage. Policies can vary, so consideration must be taken in regards to the specific exposures that need to be covered.

Is a policy that can include coverage for physical damage for the boat, motor, equipment, trailer and liability coverage. There are 3 types of policies that can provide watercraft coverages. They include homeowners, boatowner, and yatch.

Insurance designed to pay the costs associated with dental Care. Dental insurance pays a portion of the bills from dentists, hospitals, and other providers of dental services. By doing so, dental insurance protects people from financial hardship caused by unexpected dental expenses.

Long-Term Care is an insurance product that helps provide for the cost of care beyond a predetermined period, often 90 days. The need for long-term care is determined most often by the inability to perform the basic activities of daily living, such as dressing, bathing, eating, toileting, getting in and out of a bed or chair, and walking. Long-term care can also cover costs for a short-term, as a person may need care for only a few months to recover from sugery or illness.

Long-term care insurance covers care generally not covered by health insurance. Medicare, or Medicaid. Medicare and most health insurance plans will not cover the expenses of long-term care. Medicaid means all assets need to have been liquidated, and the care options available are very limited. Medicaid generally does not cover long term care provided in a home setting, of for an assisted living facility. Medicaid does provide medically necessary services for people with low income or limited resources who "need nursing home care but can stay at home with special community care services." People who need long term care traditionally prefer care in the home or in a private room in an assisted living facility.

Once a person purchased an individual policy, the language cannot be changed by the insurance company, and the policy is guaranteed renewable for life. As long as the premiums are paid, it can never be cancelled by the insurance company. Long-term care insurance rates are determined by four factors: The person's age, the daily (or monthly) benefit, how long the benefits are for, and the health rating of the individual. Most companies will give spousal discounts of 10% - 25%. Premiums paid on a long-term care insurance product may be eligible for an income tax deduction.

As we age, our risk of needing long-term care increases. Age is not the determining factor in needing long-term care. About 40% of those receiving long-term care are between the ages of 18 and 64. The late actor Christopher Reves was 42 when he became paralyzed following an equestrian accident, and required 9 years of long-term care. Once a health condition occurs, long-term care insurance may not be available. Early onset (before age 65) Alzheimers and Parkinsons disease are rare but do occur. Michael J. Fox was 30 when he was diagnosed with Parkinsons.