Danaher-Skewes & Associates, A World Company

Flood policies give property owners, including both individuals and businesses that own property, access to protection from flooding. Flood coverage is widely available to homeowners, condo owners and businesses, and some insurance providers even offer flood policies for renters.

People who participate in high-risk activities (e.g. boating or riding motorcycles) and want additional protection in case they’re liable for an accident; Dog owners who want extra liability protection in case their dog bites another person; Landlords who need additional coverage from potential lawsuits filed by tenants; Wealthy individuals who fear they might be targeted by an opportunistic lawsuit; and Volunteers who take on additional responsibilities and may be held responsible for accidents.

A personal umbrella insurance policy is a secondary form of insurance that supplements the protections afforded by primary, underlying policies.