{"title":"Commercial Insurance Products","description":"\u003cp\u003e\u003cspan\u003eProtect your business with tailored commercial insurance—general liability, property, workers’ compensation, commercial auto, cyber, equipment, and more. Compare trusted providers, customize coverage for your industry, and get fast quotes. Safeguard your company’s assets and future with Bird Dawg Network’s comprehensive business insurance solutions.\u003c\/span\u003e\u003c\/p\u003e","products":[{"product_id":"usaa-auto-insurance-copy","title":"USAA Commercial Auto Insurance","description":"\u003cdiv class=\"banner banner-fifty-fifty banner-functional\"\u003e\n\u003cdiv class=\"banner-content\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch1 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eCommercial auto insurance\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-banner-text\"\u003e\n\u003cp\u003eHave fleet vehicles or a personal car you use for business? We’ve selected leading insurance companies to help meet your needs.\u003c\/p\u003e\n\u003cp\u003eTo learn more, speak with a USAA Insurance Agency Commercial specialist.\u003c\/p\u003e\n\u003cp\u003eCall\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"tel:8002928135\"\u003e800-292-8135\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"cta-container rds-layout__grid-column-12 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-image\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/row-of-fleet-vehicles_21-9.jpg.transform\/bannerLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/row-of-fleet-vehicles_21-9.jpg.transform\/bannerLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"adaptive-image-wrap empty\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/row-of-fleet-vehicles_4-3.jpg.transform\/bannerMobile\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/row-of-fleet-vehicles_4-3.jpg.transform\/bannerSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/row-of-fleet-vehicles_4-3.jpg.transform\/bannerMedium\/image.jpg\" data-media=\"screen and (min-width: 768px) and (max-width: 991px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat's commercial auto insurance?\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eA commercial auto policy includes liability and physical damage protection for most vehicles used for business.\u003c\/p\u003e\n\u003cp\u003eCovered vehicles can include personal vehicles, trucks, trailers, buses and limousines.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003cdiv class=\"rds-button__group--align-left\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--vertical\n                rds-globals__background-primary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 aem-feature-collection-level2\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003chgroup class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eDo you need commercial auto insurance?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\n\u003cp\u003ePersonal auto insurance may not fully cover you or your vehicles if you use them for business. Here are some ways commercial auto insurance can help protect you. \u003csup class=\"usaa-disclosure-superscript one-character\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-agcy0700-claims-coverage-examples-scenarios\/master\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-font-size=\"\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e1\u003c\/sup\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 aem-feature-collection__stack\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eYou use your vehicle for business.\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYou cause an accident with damages or injuries while driving clients to a meeting. A commercial policy may provide coverage in this situation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eYou advertise your business on your personal vehicle.\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYou’re in an accident and the other driver sees your company name on your car. Commercial vehicle insurance could help pay for the legal costs if they sue your business.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eYou have fleet vehicles or a trucking business.\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eOne of your fleet trucks is in an accident while making a delivery. This insurance may help cover medical payments, truck or trailer damages, cargo and more.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eYou rent vehicles for your business.\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYou rent a truck to take equipment to a job site and you’re in an accident on the way there. Commercial auto insurance may help cover the costs.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-right rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/male-rideshare-driver-female-passenger_16-91.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/male-rideshare-driver-female-passenger_16-91.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/male-rideshare-driver-female-passenger_16-91.jpg.transform\/spotlightLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/male-rideshare-driver-female-passenger_16-91.jpg.transform\/spotlightLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch3 class=\"rds-typography__headline-2 rds-layout--top-0\"\u003eAre you a rideshare driver?\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eYou may need to add rideshare gap coverage to your USAA policy if you drive for a rideshare or delivery app.\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eIn some states, you may be able to get a commercial policy with a rideshare option.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-button__group--align-left rds-layout--bottom-0 rds-layout--top-4\"\u003e\u003ca class=\"rds-button__secondary usaa-aem-button__secondary usaa-aem-button__group\" href=\"https:\/\/www.usaa.com\/inet\/wc\/ins_auto_ride_sharing_landing_mkt\/\" data-allowed-timed-redirect=\"false\" data-cookie-enabled=\"false\"\u003eLearn about USAA rideshare\u003cbr\u003e\u003c\/a\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--horizontal\n                rds-globals__background-primary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 horizontal-feature-collection\"\u003e\n\u003cdiv\u003e\n\u003chgroup\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eCommon types of coverage \u003csup class=\"usaa-disclosure-superscript one-character\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-agcy0200-general-coverage\/master\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-font-size=\"\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e2\u003c\/sup\u003e\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row rds-layout--bottom-4 horizontal-size-3\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eHired Auto\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf you lease, hire or rent vehicles like limousines or commercial vans for business use, hired auto may be right for you.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eNonowned Vehicle\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf your employees sometimes use their personal vehicles for your business, nonowned liability can help protect you and them.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eAny Auto\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf you need liability coverage for both hired and nonowned vehicles, such as employees' personal vehicles used for your business, any auto provides protection. It may also cover vehicles you purchase during your policy term.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__cta--horizontal\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-left rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/worker-loading-cargo-pallet-onto-truck-trailer_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/worker-loading-cargo-pallet-onto-truck-trailer_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/worker-loading-cargo-pallet-onto-truck-trailer_16-9.jpg.transform\/spotlightLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/worker-loading-cargo-pallet-onto-truck-trailer_16-9.jpg.transform\/spotlightLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch3 class=\"rds-typography__headline-2 rds-layout--top-0\"\u003eCoverage for cargo or trailers\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eMotor Truck Cargo coverage helps protect the freight you’re hired to deliver if it’s lost or damaged by fire or collision.\u003c\/p\u003e\n\u003cp\u003eIf you need to protect a trailer, you can get Trailer Interchange insurance separately. This covers physical damage to nonowned trailers for things like collision, fire, theft, explosion or vandalism.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"callout-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-callout-block-container rds-globals__background-secondary icon\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-md-8 rds-layout__grid-column-lg-7 rds-layout__grid-offset-lg-1 rds-layout__grid-column-xl-6 icon-content\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhy choose USAA Insurance Agency?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003cp\u003eThe USAA Insurance Agency is here to help you find insurance to fit your needs. Our long-standing relationships with other insurance providers allow us to make sure you get a great mix of coverage, pricing and quality customer service.\u003c\/p\u003e\n\u003cp\u003eA commercial specialist can help you choose the right amount of protection. If you have questions about a policy, call\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"tel:8002928135\"\u003e800-292-8135\u003c\/a\u003e.\u003c\/p\u003e\n\u003cp\u003eAnd if you have to report a claim, you can expect USAA-level support no matter who manages your policy.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"cdo\"\u003e\n\u003csection class=\"section\"\u003e\n\u003cul class=\"card-pack two-pack info-cards\"\u003e\n\u003cli class=\"card bg-gray\"\u003e\n\u003cdiv class=\"card-header text-left\"\u003e\n\u003cdiv class=\"footnotes\"\u003e\n\u003cdiv class=\"footnoteLegalText usaa-disclosures\"\u003e\n\u003cdiv class=\"disclosure-group\"\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cstrong\u003eIN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.\u003c\/strong\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"footnotes\"\u003e\n\u003cdiv class=\"footnoteLegalText usaa-disclosures\"\u003e\n\u003cdiv class=\"disclosure-group\"\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e1\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003eThe USAA SafePilot\u003csup\u003e®\u003c\/sup\u003e\u003cspan\u003e \u003c\/span\u003eand USAA SafePilot Miles™ programs are optional programs available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in USAA SafePilot or USAA SafePilot Miles to receive discounts and\/or mileage based rates. These programs are only available in select states. Program availability and state restrictions apply. Smartphone, data plan and download of the USAA DriveSafe™ App required.\u003cbr\u003e\u003cbr\u003eUSAA SafePilot and USAA SafePilot Miles: Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount will vary by program selected and may vary by state. Discounts are subject to change over the life of the policy.\u003cbr\u003e\u003cbr\u003eUSAA SafePilot program: Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days.\u003cbr\u003e\u003cbr\u003eUSAA SafePilot Miles program: This program is best for those comfortable with a monthly bill that varies and if you drive less than 8,000 miles per year.\u003cbr\u003e\u003cbr\u003eReview the Program\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.usaa.com\/insurance\/terms\/safe-driving\/\" target=\"_blank\"\u003eTerms and Conditions\u003cspan class=\"hiddenMessage\"\u003e(Opens in New Window)\u003c\/span\u003e\u003c\/a\u003e\u003cspan\u003e \u003c\/span\u003efor more information.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e2\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003eSavings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e3\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003eDiscounts may not be available in all locations and are subject to change, other restrictions may apply.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e4\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003eStorage Discount is not available in North Carolina and Virginia. To qualify for the discount, the vehicle must not be driven and must be stored in a secure location. Other restrictions may apply.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e5\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003eThis is a reduction in your comprehensive coverage premium only, except in California, where this is also a reduction to your collision coverage premium. Not available in New York. Other restrictions apply.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e6\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003e\u003cstrong\u003ePotential average savings based on a countrywide survey conducted March 6, 2025 to April 4, 2025 of new customers who self-reported savings when they switched to USAA Auto Insurance between July 1, 2024 to March 26, 2025. Individual savings may vary and isn't guaranteed.\u003c\/strong\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e7\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003eUSAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Agero Services Corp. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e8\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003eCoverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"footnotes\"\u003e\n\u003cdiv class=\"footnoteLegalText usaa-disclosures\"\u003e\n\u003cdiv class=\"disclosure-group\"\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"disclosure-liner\"\u003eUse of the term \"member\" or \"membership\" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"disclosure-liner\"\u003eUSAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the \"Agency\"). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (\"third-party insurance products\") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cstrong\u003eUSAA Perks is available to all members of USAA Membership Services and customers with a USAA number. Purchase of a USAA Insurance product is not required.\u003c\/strong\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"disclosure-liner\"\u003eThe USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"disclosure-liner\"\u003eProperty and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.\u003cbr\u003e\u003cbr\u003eCoverages subject to the terms and conditions of the policy.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"disclosure-liner\"\u003e6638213\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"USAA","offers":[{"title":"Default Title","offer_id":46782005543142,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/usaalogo.png?v=1761350170"},{"product_id":"usaa-commercial-auto-insurance-copy","title":"USAA Landlord Insurance","description":"\u003cdiv class=\"banner banner-fifty-fifty banner-functional\"\u003e\n\u003cdiv class=\"banner-content\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"callout-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-callout-block-container rds-globals__background-secondary icon\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-md-8 rds-layout__grid-column-lg-7 rds-layout__grid-offset-lg-1 rds-layout__grid-column-xl-6 icon-content\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\" itemprop=\"headline\"\u003eWhat’s landlord insurance?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eUSAA Rental Property Insurance, also known as landlord insurance, helps protect the properties you own but rent out to others.\u003c\/p\u003e\n\u003cp\u003eLike homeowners insurance, it can help pay to repair or rebuild your rental if it's damaged or destroyed by something covered by your policy. That includes most weather-related damage, fire, vandalism and accidental water damage.\u003c\/p\u003e\n\u003cp\u003eIt also helps provide liability coverage if you're held responsible for someone else's injuries or property damage.\u003c\/p\u003e\n\u003cp\u003eOur policy can cover you if you rent your place to long-term tenants or through vacation rental sites like Airbnb or Vrbo®.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003cdiv class=\"rds-button__group--align-left\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--vertical\n                rds-globals__background-primary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 aem-feature-collection-level2\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003chgroup class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 rds-layout--bottom-4\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\" itemprop=\"headline\"\u003eWhat can rental property insurance cover?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\n\u003cp\u003eHere’s how we can help protect you with\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.usaa.com\/insurance\/property\/landlord\/coverage\/\"\u003elandlord insurance coverage\u003c\/a\u003e.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 aem-feature-collection__stack\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-house.svg\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" aria-hidden=\"true\" alt=\"\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 class=\"rds-typography__headline-3 rds-layout--top-0\" itemprop=\"headline\"\u003eYour home and stuff\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf your home and the personal items you keep at the rental are damaged or destroyed by a covered loss, your policy can help rebuild, repair or replace them.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-cash.svg\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" aria-hidden=\"true\" alt=\"\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 class=\"rds-typography__headline-3 rds-layout--top-0\" itemprop=\"headline\"\u003eLost rental income\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf there's a covered loss and you're repairing your property because it's unlivable, this could help replace rental income.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-ambulance.svg\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" aria-hidden=\"true\" alt=\"\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 class=\"rds-typography__headline-3 rds-layout--top-0\" itemprop=\"headline\"\u003eClaims against you\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf you're at fault for someone's injuries or property damage, personal liability could help pay for legal and medical costs.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-house-with-dollar-sign.svg\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" aria-hidden=\"true\" alt=\"\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 class=\"rds-typography__headline-3 rds-layout--top-0\" itemprop=\"headline\"\u003eShort-term rentals\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf you share, exchange or rent your home for less than a month, home sharing coverage \u003csup data-xf-disclosure-font-size=\"\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-home0300-home-sharing-coverage\/master\" class=\"usaa-disclosure-superscript one-character\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e1\u003c\/sup\u003e\u003cspan\u003e \u003c\/span\u003eoffers more protection for personal liability and the things you own and keep in the rental.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"rds-layout__container  longform\n             rds-layout--top-0\n             rds-layout--bottom-0\"\u003e\n\u003cdiv class=\"aem-text-block\"\u003e\n\u003cdiv class=\"\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"rds-typography__headline-1\"\u003eTypes of properties we cover\u003c\/span\u003e\u003cbr\u003e\n\u003c\/h2\u003e\n\u003cp\u003eWe can generally insure up to 10 properties built to accommodate up to four families.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003cdiv class=\"rds-button__group--align-left\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-right rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv data-picture=\"\" class=\"adaptive-image-wrap\"\u003e\n\u003cdiv data-media=\"screen and (min-width: 1px) and (max-width: 575px)\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/single-family-home_16-9.jpg.transform\/spotlightSmall\/image.jpg\" class=\"size-adjust\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-media=\"screen and (min-width: 576px) and (max-width: 767px)\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/single-family-home_16-9.jpg.transform\/spotlightSmall\/image.jpg\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-media=\"screen and (min-width: 992px)\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/single-family-home_16-9.jpg.transform\/spotlightLarge\/image.jpg\" class=\"size-adjust\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/single-family-home_16-9.jpg.transform\/spotlightLarge\/image.jpg\" alt=\"\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch3 class=\"rds-typography__headline-2 rds-layout--top-0\"\u003eSingle-family houses\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eThis includes your traditional free-standing homes as well as townhouses — attached single-family homes that share at least one common wall. They're built on permanent foundations, have their own entrances and can accommodate only one family.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-left rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv data-picture=\"\" class=\"adaptive-image-wrap\"\u003e\n\u003cdiv data-media=\"screen and (min-width: 1px) and (max-width: 575px)\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/duplex_16-9.jpg.transform\/spotlightSmall\/image.jpg\" class=\"size-adjust\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-media=\"screen and (min-width: 576px) and (max-width: 767px)\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/duplex_16-9.jpg.transform\/spotlightSmall\/image.jpg\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-media=\"screen and (min-width: 992px)\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/duplex_16-9.jpg.transform\/spotlightLarge\/image.jpg\" class=\"size-adjust\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/duplex_16-9.jpg.transform\/spotlightLarge\/image.jpg\" alt=\"\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch3 class=\"rds-typography__headline-2 rds-layout--top-0\"\u003eHouses for 2 to 4 families\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eThese are generally duplexes and quadruplexes where multiple families live separately. They can be up to four stories with all homes under one roof.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-right rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv data-picture=\"\" class=\"adaptive-image-wrap\"\u003e\n\u003cdiv data-media=\"screen and (min-width: 1px) and (max-width: 575px)\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/condo-rental_16-9.jpg.transform\/spotlightSmall\/image.jpg\" class=\"size-adjust\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-media=\"screen and (min-width: 576px) and (max-width: 767px)\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/condo-rental_16-9.jpg.transform\/spotlightSmall\/image.jpg\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-media=\"screen and (min-width: 992px)\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/condo-rental_16-9.jpg.transform\/spotlightLarge\/image.jpg\" class=\"size-adjust\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/condo-rental_16-9.jpg.transform\/spotlightLarge\/image.jpg\" alt=\"\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch3 class=\"rds-typography__headline-2 rds-layout--top-0\"\u003eCondos\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eThese are often in high-rise buildings but can be detached. They may have common areas like gyms, pools and parking garages that you share with other residents.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--horizontal\n                rds-globals__background-primary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 horizontal-feature-collection\"\u003e\n\u003cdiv\u003e\n\u003chgroup\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\" itemprop=\"headline\"\u003eWhy get landlord insurance from USAA?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\n\u003cp\u003eYou’ve got good reasons to choose USAA Rental Property Insurance.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row rds-layout--bottom-4 horizontal-size-2\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-laptop.svg\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" aria-hidden=\"true\" alt=\"\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 class=\"rds-typography__headline-3 rds-layout--top-0\" itemprop=\"headline\"\u003eOnline quotes\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYou can get a quote for up to 10 properties, buy coverage online today and be protected tomorrow.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-dollar-sign-with-circular-arrows.svg\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" aria-hidden=\"true\" alt=\"\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 class=\"rds-typography__headline-3 rds-layout--top-0\" itemprop=\"headline\"\u003eReplacement cost coverage \u003csup data-xf-disclosure-font-size=\"\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-gen1000-full-replacement-cost\/master\" class=\"usaa-disclosure-superscript one-character\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e2\u003c\/sup\u003e\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eAfter paying your deductible, your policy can pay to repair or replace things you own in your rental at today’s cost. So you could replace your old fridge with a new one.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__cta--horizontal\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-right rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv data-picture=\"\" class=\"adaptive-image-wrap\"\u003e\n\u003cdiv data-media=\"screen and (min-width: 1px) and (max-width: 575px)\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pcs-soldier-with-backpack_16-9.jpg.transform\/spotlightSmall\/image.jpg\" class=\"size-adjust\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-media=\"screen and (min-width: 576px) and (max-width: 767px)\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pcs-soldier-with-backpack_16-9.jpg.transform\/spotlightSmall\/image.jpg\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-media=\"screen and (min-width: 992px)\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pcs-soldier-with-backpack_16-9.jpg.transform\/spotlightLarge\/image.jpg\" class=\"size-adjust\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pcs-soldier-with-backpack_16-9.jpg.transform\/spotlightLarge\/image.jpg\" alt=\"\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eBenefits when you PCS or deploy\u003cbr\u003e\n\u003c\/h2\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eIf you’re called away for duty, you can:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eEasily switch your homeowners policy to rental property insurance.\u003c\/li\u003e\n\u003cli\u003eKnow we can help protect your home when listing it as a vacation rental. \u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-button__group--align-left rds-layout--bottom-0 rds-layout--top-4\"\u003e\u003ca data-cookie-enabled=\"false\" data-allowed-timed-redirect=\"false\" href=\"https:\/\/www.usaa.com\/inet\/pchomeowner\/issue?flowState=reset\u0026amp;productId=pnc-insurance-homeowners-join\u0026amp;jump=jp_rentalhome_ins\u0026amp;lob=rpi\u0026amp;wa_ref=rpi_quote_main_middle\" class=\"rds-button__primary usaa-aem-button__primary usaa-aem-button__group\"\u003eGet a quote\u003cspan class=\"rds-globals__screen-reader\"\u003e for landlord insurance\u003c\/span\u003e\u003cbr\u003e\u003c\/a\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--horizontal\n                rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 horizontal-feature-collection\"\u003e\n\u003cdiv\u003e\n\u003chgroup\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\" itemprop=\"headline\"\u003eWays to save on your premium\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row rds-layout--bottom-4 horizontal-size-3\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 class=\"rds-typography__headline-3 rds-layout--top-0\" itemprop=\"headline\"\u003eBundle and save\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eSave on your premium when you bundle your rental property and auto insurance. \u003csup data-xf-disclosure-font-size=\"\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-covg0900-home-renters-auto-discount\/master\" class=\"usaa-disclosure-superscript one-character\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e3\u003c\/sup\u003e \u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 class=\"rds-typography__headline-3 rds-layout--top-0\" itemprop=\"headline\"\u003eClaims-free discount\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eSave up to 15% if you don’t have any claims for five years. \u003csup data-xf-disclosure-font-size=\"\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-gen0900-discounts-subject-to-change-restrictions\/master\" class=\"usaa-disclosure-superscript one-character\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e4\u003c\/sup\u003e\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 class=\"rds-typography__headline-3 rds-layout--top-0\" itemprop=\"headline\"\u003eProtected home discount\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eSave up to 5% with a monitored fire alarm or security system. \u003csup data-xf-disclosure-font-size=\"\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-covg0800-renters-protective-device\/master\" class=\"usaa-disclosure-superscript one-character\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e5\u003c\/sup\u003e\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__cta--horizontal\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\" itemprop=\"headline\"\u003eHow much does landlord insurance cost?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eLandlord insurance costs can depend on a variety of things.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eAge and location of your property\u003c\/li\u003e\n\u003cli\u003eAmount of coverage\u003c\/li\u003e\n\u003cli\u003eSelected deductibles\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"cdo\"\u003e\n\u003csection class=\"section\"\u003e\n\u003cul class=\"card-pack two-pack info-cards\"\u003e\n\u003cli class=\"card bg-gray\"\u003e\n\u003cdiv class=\"card-header text-left\"\u003e\n\u003cdiv class=\"footnotes\"\u003e\n\u003cdiv class=\"footnoteLegalText usaa-disclosures\"\u003e\n\u003cdiv class=\"disclosure-group\"\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cstrong\u003eIN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.\u003c\/strong\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"footnotes\"\u003e\n\u003cdiv class=\"footnoteLegalText usaa-disclosures\"\u003e\n\u003cdiv class=\"disclosure-group\"\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e1\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003eThe USAA SafePilot\u003csup\u003e®\u003c\/sup\u003e\u003cspan\u003e \u003c\/span\u003eand USAA SafePilot Miles™ programs are optional programs available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in USAA SafePilot or USAA SafePilot Miles to receive discounts and\/or mileage based rates. These programs are only available in select states. Program availability and state restrictions apply. Smartphone, data plan and download of the USAA DriveSafe™ App required.\u003cbr\u003e\u003cbr\u003eUSAA SafePilot and USAA SafePilot Miles: Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount will vary by program selected and may vary by state. Discounts are subject to change over the life of the policy.\u003cbr\u003e\u003cbr\u003eUSAA SafePilot program: Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days.\u003cbr\u003e\u003cbr\u003eUSAA SafePilot Miles program: This program is best for those comfortable with a monthly bill that varies and if you drive less than 8,000 miles per year.\u003cbr\u003e\u003cbr\u003eReview the Program\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.usaa.com\/insurance\/terms\/safe-driving\/\" target=\"_blank\"\u003eTerms and Conditions\u003cspan class=\"hiddenMessage\"\u003e(Opens in New Window)\u003c\/span\u003e\u003c\/a\u003e\u003cspan\u003e \u003c\/span\u003efor more information.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e2\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003eSavings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e3\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003eDiscounts may not be available in all locations and are subject to change, other restrictions may apply.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e4\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003eStorage Discount is not available in North Carolina and Virginia. To qualify for the discount, the vehicle must not be driven and must be stored in a secure location. Other restrictions may apply.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e5\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003eThis is a reduction in your comprehensive coverage premium only, except in California, where this is also a reduction to your collision coverage premium. Not available in New York. Other restrictions apply.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e6\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003e\u003cstrong\u003ePotential average savings based on a countrywide survey conducted March 6, 2025 to April 4, 2025 of new customers who self-reported savings when they switched to USAA Auto Insurance between July 1, 2024 to March 26, 2025. Individual savings may vary and isn't guaranteed.\u003c\/strong\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e7\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003eUSAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Agero Services Corp. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"usaa-hiddenMessage\"\u003eNote \u003c\/span\u003e\u003cspan class=\"disclosure-marker\"\u003e8\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cspan class=\"footnote\"\u003eCoverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"footnotes\"\u003e\n\u003cdiv class=\"footnoteLegalText usaa-disclosures\"\u003e\n\u003cdiv class=\"disclosure-group\"\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"disclosure-liner\"\u003eUse of the term \"member\" or \"membership\" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"disclosure-liner\"\u003eUSAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the \"Agency\"). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (\"third-party insurance products\") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"disclosure-liner\"\u003e\u003cstrong\u003eUSAA Perks is available to all members of USAA Membership Services and customers with a USAA number. Purchase of a USAA Insurance product is not required.\u003c\/strong\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"disclosure-liner\"\u003eThe USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"disclosure-liner\"\u003eProperty and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.\u003cbr\u003e\u003cbr\u003eCoverages subject to the terms and conditions of the policy.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"disclosure-item\"\u003e\n\u003cp class=\"disclosure-content\"\u003e\u003cspan class=\"disclosure-liner\"\u003e6638213\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"USAA","offers":[{"title":"Default Title","offer_id":46782048862438,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/usaalogo.png?v=1761350170"},{"product_id":"usaa-business-owners-policy","title":"USAA Business Owners Policy","description":"\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch1 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eBusiness owners policy\u003cbr\u003e\n\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-banner-text\"\u003e\n\u003cp\u003eA simple way to combine coverage and get the protection you need.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"cta-container rds-layout__grid-column-12 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003ca class=\"rds-button__primary usaa-aem-button__primary usaa-aem-button__group\" href=\"https:\/\/www.usaa.com\/insurance\/small-business-quote\/\" data-allowed-timed-redirect=\"false\" data-cookie-enabled=\"false\"\u003eGet a\u003cspan\u003e \u003c\/span\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003ebusiness owners policy \u003c\/span\u003equote\u003c\/a\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-image\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owners-look-at-computer_21-9.jpg.transform\/bannerLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owners-look-at-computer_21-9.jpg.transform\/bannerLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"adaptive-image-wrap empty\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owners-look-at-computer_4-3.jpg.transform\/bannerMobile\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owners-look-at-computer_4-3.jpg.transform\/bannerSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owners-look-at-computer_4-3.jpg.transform\/bannerMedium\/image.jpg\" data-media=\"screen and (min-width: 768px) and (max-width: 991px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat's a business owners policy?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eA business owners policy, or BOP, combines coverage for general liability, property and business income to make it easy to protect your business from common risks. It generally costs less than if you bought each policy separately. You can also customize your policy to the type of business you have. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003cdiv class=\"rds-button__group--align-left\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-left rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owner-in-front-of-shop%20_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owner-in-front-of-shop%20_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owner-in-front-of-shop%20_16-9.jpg.transform\/spotlightLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owner-in-front-of-shop%20_16-9.jpg.transform\/spotlightLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat kind of business is a BOP for?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eIt’s generally for small businesses with less than $10 million in revenue per year. BOPs are also good for businesses with buildings, equipment and inventory worth $15 million or less. They can cover all types of businesses, including retail, service, wholesale, manufacturing and office. If your business needs coverage beyond what a BOP can provide, check out our other solutions for\u003cspan\u003e \u003c\/span\u003e\u003ca title=\"small business insurance\" href=\"https:\/\/www.usaa.com\/insurance\/small-business\"\u003esmall business insurance\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-media-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"usaa-aem-media-block__container  rds-layout--top-6 rds-layout--bottom-6 rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"usaa-aem-media-block__headline rds-layout--top-0 rds-layout--bottom-0\n                   rds-layout__grid-column-md-10 rds-layout__grid-column-lg-8 rds-layout__grid-column-xl-7\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eHow a BOP can help protect your business\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-media-block__text rds-layout--top-3 rds-layout--bottom-0 rds-typography__paragraph--open rds-typography__paragraph-large\n                   rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cp\u003eAs a business owner, you juggle multiple responsibilities. Bundling your insurance needs can free you to focus on what’s important to you.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout--top-4 rds-layout__grid-column-md-10 rds-layout__grid-column-lg-8\"\u003e\n\u003cdiv class=\"usaa-aem-media-block__video\"\u003e\n\u003cdiv class=\"vidyard-player-container\"\u003e\n\u003cdiv class=\"vidyard-div-Jh6FqGmqU9hL1cqX4rzm6v\" role=\"region\" aria-label=\"Vidyard media player\"\u003e\n\u003cdiv class=\"vidyard-inner-container-Jh6FqGmqU9hL1cqX4rzm6v\" data-pl=\"false\"\u003e\u003ciframe class=\"vidyard-iframe-Jh6FqGmqU9hL1cqX4rzm6v\" height=\"100%\" width=\"100%\" src=\"https:\/\/play.vidyard.com\/Jh6FqGmqU9hL1cqX4rzm6v?disable_popouts=1\u0026amp;v=4.3.16\u0026amp;type=inline\" title=\"What's a Business Owners Policy?\"\u003e\u003c\/iframe\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"rds-layout--top-2 rds-typography__text-link\" data-open=\"45a641aa-6aef-4c25-894a-883e5ccde689\" type=\"button\"\u003eRead video transcript\u003cspan class=\"rds-globals__screen-reader\"\u003e, Opens dialog\u003c\/span\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-10 rds-layout__grid-column-lg-8\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--horizontal\n                rds-globals__background-primary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 horizontal-feature-collection\"\u003e\n\u003cdiv\u003e\n\u003chgroup\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat does a BOP cover?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\n\u003cp\u003eThis policy starts with three important coverages, and you can add more as needed.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row rds-layout--bottom-4 horizontal-size-3\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-shield.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eGeneral Liability\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf someone files a claim or lawsuit against you as a result of a mishap during your day-to-day operations, you can help protect yourself with\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.usaa.com\/insurance\/business\/commercial-general-liability\/\"\u003egeneral liability insurance\u003c\/a\u003e. \u003cspan class=\"rds-globals__screen-reader\"\u003eGeneral liability insurance\u003c\/span\u003e\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-hotel.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eCommercial Property\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf your business owns a building or property, you can help protect it with\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.usaa.com\/insurance\/business\/commercial-property\"\u003ecommercial property insurance\u003c\/a\u003e.\u003cspan class=\"rds-globals__screen-reader\"\u003ecommercial property insurance\u003c\/span\u003e It can cover items from the building structures all the way to your important documents.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-tag-with-dollar-sign.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eBusiness Income\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf a covered event interrupts your business, you can replace lost income.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__cta--horizontal\"\u003e\n\u003cdiv class=\"rds-layout__divider\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003ca class=\"rds-button__primary usaa-aem-button__primary usaa-aem-button__group\" href=\"https:\/\/www.usaa.com\/insurance\/small-business-quote\" data-allowed-timed-redirect=\"false\" data-cookie-enabled=\"false\"\u003eGet a \u003cspan class=\"rds-globals__screen-reader\"\u003ebusiness owners policy\u003c\/span\u003e\u003cspan\u003e \u003c\/span\u003equote \u003cbr\u003e\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eCustomized coverage that fits your business\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eThere are more than 100 different ways to customize your policy. Here are some popular options:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eCommercial crime\u003c\/li\u003e\n\u003cli\u003eComputer fraud and funds transfer\u003c\/li\u003e\n\u003cli\u003e\n\u003ca href=\"https:\/\/www.usaa.com\/inet\/wc\/cyber-insurance\/\"\u003eCyber coverage\u003c\/a\u003e \u003cspan class=\"rds-globals__screen-reader\"\u003ecyber coverage\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003eEmployee benefits liability, or EBL\u003c\/li\u003e\n\u003cli\u003eEmployee dishonesty\u003c\/li\u003e\n\u003cli\u003eEmployment practices liability insurance, or EPLI\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003eHired and non-owned auto\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003e\u003ca href=\"https:\/\/www.usaa.com\/inet\/wc\/professional-liability-insurance\/\"\u003eProfessional liability\u003c\/a\u003e \u003cspan class=\"rds-globals__screen-reader\"\u003eprofessional liability\u003c\/span\u003e\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003cdiv class=\"rds-button__group--align-left\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-right rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/bakery-owners-looking-at-tablet_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/bakery-owners-looking-at-tablet_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/bakery-owners-looking-at-tablet_16-9.jpg.transform\/spotlightLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/bakery-owners-looking-at-tablet_16-9.jpg.transform\/spotlightLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eHow much does a BOP cost?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eBOPs range in cost depending on a few different things. These can include the size of your business, the industry, different kinds of risk and how much coverage you get.\u003c\/p\u003e\n\u003cp\u003eThe best way to know how much a BOP will cost for your business is to\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.usaa.com\/insurance\/small-business-quote\/\"\u003eget a \u003cspan class=\"rds-globals__screen-reader\"\u003ebusiness owners policy\u003c\/span\u003equote\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhy choose us for a BOP?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eIt takes just a few minutes to quote and buy a USAA policy online if you qualify. We also work with other leading insurance carriers, so depending on what you need, we may connect you with another insurance company through the USAA Insurance Agency.\u003c\/p\u003e\n\u003cp\u003eA dedicated coverage specialist can help you find the right amount of protection. If you have questions about a policy that may fit your business needs, call\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"tel:8002928135\"\u003e800-292-8135\u003c\/a\u003e.\u003c\/p\u003e\n\u003cp\u003eAnd if you have to report a claim, you can expect USAA-level support no matter who manages your policy.\u003c\/p\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003e\u003cb\u003eIN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.\u003c\/b\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eUse of the term \"member\" or \"membership\" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eSmall Business Insurance is underwritten by Garrison Property \u0026amp; Casualty Insurance Company, San Antonio, Texas (\"Garrison\"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) (\"third-party insurance companies\"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the \"Agency\") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services (\"third-party insurance products\") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the \"Agency\"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eUSAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp class=\"rds-typography__paragraph-small usaa-aem-footer-closing-section__paragraph-numbers\"\u003e6522436\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"USAA","offers":[{"title":"Default Title","offer_id":46782168006886,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/usaalogo.png?v=1761350170"},{"product_id":"usaa-workers-compensation-insurance","title":"USAA Workers' Compensation insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch1 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWorkers’ compensation insurance\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-banner-text\"\u003e\n\u003cp\u003eInjuries and illnesses can happen in any line of work. Make sure your business is protected. To get a quote,\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"tel:8002928135\"\u003ecall 800-292-8135\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"cta-container rds-layout__grid-column-12 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-image\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-workers-comp-office-business-meeting_21-9.jpg.transform\/bannerLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-workers-comp-office-business-meeting_21-9.jpg.transform\/bannerLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"adaptive-image-wrap empty\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-workers-comp-office-business-meeting_4-3.jpg.transform\/bannerMobile\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-workers-comp-office-business-meeting_4-3.jpg.transform\/bannerSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-workers-comp-office-business-meeting_4-3.jpg.transform\/bannerMedium\/image.jpg\" data-media=\"screen and (min-width: 768px) and (max-width: 991px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat’s workers’ compensation insurance?\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eIt’s coverage that helps protect your business and employees by paying for medical bills, lost wages and legal fees after work-related injuries and illnesses. \u003csup class=\"usaa-disclosure-superscript one-character\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-agcy0200-general-coverage\/master\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-font-size=\"\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e1\u003c\/sup\u003e\u003c\/p\u003e\n\u003cp\u003eIt’s sometimes called workers’ comp or workman’s comp insurance.\u003c\/p\u003e\n\u003ch3\u003e\u003cspan class=\"rds-typography__headline-2\"\u003eAm I required to have it?\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp\u003eIn most states, workers’ compensation insurance is required by law for any business with employees.\u003c\/p\u003e\n\u003cp\u003eTypically, coverage applies to regular W2 employees and 1099 contract workers treated as employees under Labor Department guidelines.\u003c\/p\u003e\n\u003cp\u003eRules vary by state, so you may need to contact\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.dol.gov\/agencies\/owcp\/wc\" target=\"_blank\"\u003eyour state’s workers’ compensation office\u003cspan class=\"rds-globals__screen-reader\"\u003e(Opens in a new window)\u003c\/span\u003e\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003cdiv class=\"rds-button__group--align-left\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--vertical\n                rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 aem-feature-collection-level2\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003chgroup class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat does workers’ comp cover?\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\n\u003cp\u003eIncidents can include falling off a ladder, getting hurt using machinery or developing an illness from the job. And coverage can vary by state. \u003csup class=\"usaa-disclosure-superscript one-character\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-agcy0700-claims-coverage-examples-scenarios\/master\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-font-size=\"\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e2\u003c\/sup\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 aem-feature-collection__stack\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-white-labcoat-with-medical-cross.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eMedical Bills\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf an employee gets hurt or sick from the job, it pays for medical bills related to the incident, minus the deductible.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-cash.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eLost Wages\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf a work-related injury or illness keeps an employee from working, it helps pay a portion of their lost wages.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-ambulance.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eDisability Benefits\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf a work-related injury or illness keeps an employee from work for a longer time, it helps pay for ongoing care.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-document-and-shield.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eLegal Expenses\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf an employee sues your company after a work-related injury or illness, it can help pay for your company’s legal expenses.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003col class=\"usaa-aem-disclosures__container -footnote\" aria-describedby=\"footnote_disclosures\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal -footnote\" aria-label=\"Note\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal -footnote\" aria-label=\"Note\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp class=\"rds-globals__screen-reader\" id=\"standard_disclosure_footnotes\"\u003eRelated footnotes:\u003c\/p\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eUSAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eSmall Business Insurance is underwritten by Garrison Property \u0026amp; Casualty Insurance Company, San Antonio, Texas (\"Garrison\"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) (\"third-party insurance companies\"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the \"Agency\") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services (\"third-party insurance products\") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the \"Agency\"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp class=\"rds-typography__paragraph-small usaa-aem-footer-closing-section__paragraph-numbers\"\u003e5952579\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"USAA","offers":[{"title":"Default Title","offer_id":46782178296038,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/usaalogo.png?v=1761350170"},{"product_id":"usaa-commercial-umbrella-insurance","title":"USAA Commercial umbrella insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch1 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eCommercial umbrella and excess liability insurance\u003cbr\u003e\n\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-banner-text\"\u003e\n\u003cp\u003eTo get a quote or speak with a USAA Insurance Agency commercial specialist,\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"tel:8002928135\"\u003ecall 800-292-8135\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"cta-container rds-layout__grid-column-12 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-image\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-commercial-umbrella_cargo-van-banner_21-9.jpg.transform\/bannerLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-commercial-umbrella_cargo-van-banner_21-9.jpg.transform\/bannerLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"adaptive-image-wrap empty\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-commercial-umbrella_cargo-van-banner_4-3.jpg.transform\/bannerMobile\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-commercial-umbrella_cargo-van-banner_4-3.jpg.transform\/bannerSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-commercial-umbrella_cargo-van-banner_4-3.jpg.transform\/bannerMedium\/image.jpg\" data-media=\"screen and (min-width: 768px) and (max-width: 991px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat’s commercial umbrella insurance?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eCommercial umbrella insurance is one way you can get extra liability coverage for your business. If someone files a claim against you and it goes over your underlying commercial policy limits, you may have to pay the remaining costs. \u003csup class=\"usaa-disclosure-superscript one-character\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-agcy0200-general-coverage\/master\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-font-size=\"\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e1\u003c\/sup\u003e\u003c\/p\u003e\n\u003cp\u003eCommercial umbrella is available through the USAA Insurance Agency.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eHow’s it different from excess liability insurance?\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eExcess liability insurance is another way to get extra protection for your business. Commercial excess insurance can provide coverage over one business policy per claim, while commercial umbrella insurance can provide coverage over multiple\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.usaa.com\/insurance\/small-business\/\" title=\"business policies\"\u003ebusiness policies\u003c\/a\u003e.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eExample\u003c\/strong\u003e: Let’s say one of your commercial vehicles rear-ends another driver. The repair costs, medical bills and legal defense costs could be more than what your business’ auto and general liability policies will pay. \u003c\/p\u003e\n\u003cp\u003eEither commercial umbrella or excess liability insurance could help pay extra costs, or they could work together if you have both. \u003csup class=\"usaa-disclosure-superscript one-character\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-agcy0700-claims-coverage-examples-scenarios\/master\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-font-size=\"\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e2\u003c\/sup\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003cdiv class=\"rds-button__group--align-left\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--vertical\n                rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 aem-feature-collection-level2\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003chgroup class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eReasons you may need umbrella or excess liability\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf you own a business of any size, you may want to consider one or both of these policies to get the limits you need and help protect your assets.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 aem-feature-collection__stack\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-desk-and-chair.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eEmployees\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYour employees could create additional liabilities.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-work-van.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eCompany Vehicles\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eAccidents happen whether you have one vehicle or a whole fleet, or employees who drive their own cars for business.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-shopping-cart.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eVendors or Customers\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eWhen you allow people to visit your business, property damage and injuries are possible.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-pen-writing.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eProfessional Services\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYour business may be at a high risk for lawsuits if it provides products or services.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-left rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-commercial-umbrella_workers-checklist_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-commercial-umbrella_workers-checklist_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-commercial-umbrella_workers-checklist_16-9.jpg.transform\/spotlightLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-commercial-umbrella_workers-checklist_16-9.jpg.transform\/spotlightLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch3 class=\"rds-typography__headline-2 rds-layout--top-0\"\u003eWhat can umbrella and excess liability cover?\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eBoth can help cover these things if the costs go above the limits of your underlying policies.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSomeone's injury or damage to another's property\u003c\/li\u003e\n\u003cli\u003eSlander or libel\u003c\/li\u003e\n\u003cli\u003eUsing others' advertising ideas\u003c\/li\u003e\n\u003cli\u003eSelling a defective product\u003c\/li\u003e\n\u003cli\u003eCopyright infringement\u003c\/li\u003e\n\u003cli\u003eFailing to provide services at the level expected\u003c\/li\u003e\n\u003cli\u003eIssues around federal and state employment practice law\u003c\/li\u003e\n\u003cli\u003eErrors and omissions, like an accountant providing inaccurate financial advice\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  longform\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block\"\u003e\n\u003cdiv class=\"\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003ch2\u003e\u003cspan class=\"rds-typography__headline-2\"\u003eWhy choose us for business insurance?\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003eWhether you need excess liability coverage, umbrella coverage or both, a commercial specialist can help you find the right amount of protection. If you have questions about a policy that fits your needs,\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"tel:8002928135\"\u003ecall 800-292-8135\u003c\/a\u003e.\u003c\/p\u003e\n\u003cp\u003eAnd if you have to report a claim, you can expect USAA-level support throughout the process.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003ch1 class=\"rds-typography__headline-1 rds-layout--top-0\" itemprop=\"headline\"\u003e\u003cspan style=\"font-size: 0.875rem;\"\u003eork-related injury or illness, it can help pay for your company’s legal expenses.\u003c\/span\u003e\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003col aria-describedby=\"footnote_disclosures\" class=\"usaa-aem-disclosures__container -footnote\"\u003e\n\u003cli aria-label=\"Note\" class=\"usaa-aem-disclosures__paragraph-legal -footnote\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli aria-label=\"Note\" class=\"usaa-aem-disclosures__paragraph-legal -footnote\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp id=\"standard_disclosure_footnotes\" class=\"rds-globals__screen-reader\"\u003eRelated footnotes:\u003c\/p\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eUSAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eSmall Business Insurance is underwritten by Garrison Property \u0026amp; Casualty Insurance Company, San Antonio, Texas (\"Garrison\"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) (\"third-party insurance companies\"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the \"Agency\") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services (\"third-party insurance products\") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the \"Agency\"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp class=\"rds-typography__paragraph-small usaa-aem-footer-closing-section__paragraph-numbers\"\u003e5952579\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"USAA","offers":[{"title":"Default Title","offer_id":46782180851942,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/usaalogo.png?v=1761350170"},{"product_id":"usaa-commercial-general-liability-insurance","title":"USAA Commercial general liability insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch1 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eCommercial general liability insurance\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-banner-text\"\u003e\n\u003cp\u003eGet a quote or talk with a USAA Insurance Agency commercial specialist at\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"tel:8002928135\"\u003e800-292-8135\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"cta-container rds-layout__grid-column-12 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003ca class=\"rds-button__primary usaa-aem-button__primary usaa-aem-button__group\" href=\"https:\/\/www.usaa.com\/insurance\/small-business-quote\/#\/industrySelection\" data-allowed-timed-redirect=\"false\" data-cookie-enabled=\"false\"\u003eGet a quote\u003cspan class=\"rds-globals__screen-reader\"\u003efor commercial general liability insurance\u003c\/span\u003e\u003c\/a\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-image\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-general-liability_town-square-banner_21-9.jpg.transform\/bannerLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-general-liability_town-square-banner_21-9.jpg.transform\/bannerLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"adaptive-image-wrap empty\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-general-liability_town-square-banner_4-3.jpg.transform\/bannerMobile\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-general-liability_town-square-banner_4-3.jpg.transform\/bannerSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-general-liability_town-square-banner_4-3.jpg.transform\/bannerMedium\/image.jpg\" data-media=\"screen and (min-width: 768px) and (max-width: 991px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat’s commercial general liability insurance?\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eAlso known as business liability insurance, it helps protect you if someone files a claim or lawsuit against you as a result of a common mishap during your day-to-day operations. This could include something like a customer getting hurt in your store or one of your employees damaging a client’s property. Without coverage, you may have to pay claims and legal costs out of pocket. \u003csup class=\"usaa-disclosure-superscript one-character\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-agcy0200-general-coverage\/master\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-font-size=\"\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e1\u003c\/sup\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003cdiv class=\"rds-button__group--align-left\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-left rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-general-liability_commercial-van-contract_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-general-liability_commercial-van-contract_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-general-liability_commercial-van-contract_16-9.jpg.transform\/spotlightLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-general-liability_commercial-van-contract_16-9.jpg.transform\/spotlightLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch3 class=\"rds-typography__headline-2 rds-layout--top-0\"\u003eDoes your business need general liability insurance?\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eEvery business can be exposed to a broad range of liability risks. So, whether you have a brick-and-mortar or online company, this policy helps you continue to do business as usual if you face claims or lawsuits. You may also be required to have a policy if you have a commercial lease or contract.\u003c\/p\u003e\n\u003cp\u003eIf your business needs coverage beyond what general liability insurance can provide, check out our other solutions for\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.usaa.com\/insurance\/small-business\/?wa_ref=pub_global_insurance_business\"\u003esmall business insurance\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--vertical\n                rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 aem-feature-collection-level2\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003chgroup class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat could a general liability policy cover? \u003csup class=\"usaa-disclosure-superscript one-character\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-agcy0700-claims-coverage-examples-scenarios\/master\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-font-size=\"\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e2\u003c\/sup\u003e\n\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 aem-feature-collection__stack\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-ambulance.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eBodily Injury\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf a customer slips and falls in your store, your policy can help pay your legal costs if they sue you.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-white-labcoat-with-medical-cross.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eMedical Bills\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYour coverage can also help pay for that customer’s medical expenses if they’re injured at your business.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/6127343-tools.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eProperty Damage\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf you’re working at a client’s home and accidentally break a window, general liability would help pay to repair or replace it.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/220068-paper-with-signature-and-pen.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eReputational Harm\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf a client sues you for slander or libel, your policy can help cover your legal expenses.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/220067-document-with-dollar-sign-and-calculator.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eAdvertising Errors\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf someone sues you for copyright infringement or false advertising, your coverage can help you.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--horizontal\n                rds-globals__background-primary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 horizontal-feature-collection\"\u003e\n\u003cdiv\u003e\n\u003chgroup\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eOther coverage you can add to your policy\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\n\u003cp\u003eThere are more than 100 ways to customize your policy. Here are some popular options.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row rds-layout--bottom-4 horizontal-size-3\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-present.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eProducts and Completed Operations Liability\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eThis could help cover bodily injury and property damage claims resulting from business operations that were done away from your location.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-earth.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003ePollution Liability\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eThis may help provide coverage for claims resulting from the unexpected release of pollutants.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-water.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eLiquor Liability\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eThis can help protect your business if you manufacture, distribute, sell or serve alcoholic beverages.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__cta--horizontal\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-right rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-general-liability_contract-discussion_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-general-liability_contract-discussion_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-general-liability_contract-discussion_16-9.jpg.transform\/spotlightLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-general-liability_contract-discussion_16-9.jpg.transform\/spotlightLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch3 class=\"rds-typography__headline-2 rds-layout--top-0\"\u003eWhy choose us for general liability insurance?\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eIf you qualify, it just takes a few minutes to quote and buy a\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.usaa.com\/insurance\/small-business-quote\/#\/industrySelection\"\u003eUSAA policy online\u003c\/a\u003e. We also work with other leading insurance carriers, so depending on what you need, we may connect you with another insurance company through the USAA Insurance Agency.\u003c\/p\u003e\n\u003cp\u003eA commercial specialist can help you choose the right amount of protection. If you have questions about a policy that fits your business needs, call\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"tel:8002928135\"\u003e800-292-8135\u003c\/a\u003e.\u003c\/p\u003e\n\u003cp\u003eAnd if you have to report a claim, you can expect USAA-level support no matter who manages your policy.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"callout-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-callout-block-container rds-globals__background-secondary icon\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-md-8 rds-layout__grid-column-lg-7 rds-layout__grid-offset-lg-1 rds-layout__grid-column-xl-6 icon-content\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eAn easy way to protect your business\u003c\/h2\u003e\n\u003cp\u003eIf you need a broader range of coverage, consider a\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.usaa.com\/inet\/wc\/business-owners-policy\"\u003ebusiness owners policy, or BOP\u003c\/a\u003e. It provides coverage for general liability, property damage and business income — all in one policy.\u003c\/p\u003e\n\u003cdiv class=\"cta-container\"\u003e\u003ca class=\"rds-button__primary usaa-aem-button__primary usaa-aem-button__group\" href=\"https:\/\/www.usaa.com\/insurance\/small-business-quote\/#\/industrySelection\" data-allowed-timed-redirect=\"false\" data-cookie-enabled=\"false\"\u003eGet a BOP quote \u003cspan class=\"rds-globals__screen-reader\"\u003efor a business owners policy\u003c\/span\u003e\u003c\/a\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003col class=\"usaa-aem-disclosures__container -footnote\" aria-describedby=\"footnote_disclosures\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal -footnote\" aria-label=\"Note\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal -footnote\" aria-label=\"Note\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp class=\"rds-globals__screen-reader\" id=\"standard_disclosure_footnotes\"\u003eRelated footnotes:\u003c\/p\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eUSAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eSmall Business Insurance is underwritten by Garrison Property \u0026amp; Casualty Insurance Company, San Antonio, Texas (\"Garrison\"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) (\"third-party insurance companies\"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the \"Agency\") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services (\"third-party insurance products\") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the \"Agency\"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp class=\"rds-typography__paragraph-small usaa-aem-footer-closing-section__paragraph-numbers\"\u003e5952579\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"USAA","offers":[{"title":"Default Title","offer_id":46782183440614,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/usaalogo.png?v=1761350170"},{"product_id":"usaa-commercial-property-insurance","title":"USAA Commercial property insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch1 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eCommercial property insurance for your business assets\u003cbr\u003e\n\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-banner-text\"\u003e\n\u003cp\u003eTalk with a USAA Insurance Agency commercial specialist.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"cta-container rds-layout__grid-column-12 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"rds-button__group usaa-aem-button__group rds-button__group--vertical\" data-cookie-enabled=\"false\"\u003e\n\u003cdiv class=\"rds-layout--display-flex\"\u003e\n\u003cimg class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md rds-illustrations--large-above-md\" data-initialized=\"\" alt=\"\" src=\"https:\/\/content.usaa.com\/mcontent\/static_assets\/Media\/rds-illustration-base-phone-with-phone-icon.svg\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"rds-typography__paragraph-large\"\u003e\u003ca class=\"rds-typography__text-link rds-typography--weight-medium\" href=\"tel:8002928135\" data-allowed-timed-redirect=\"false\"\u003eCall 800-292-8135\u003c\/a\u003e\u003c\/span\u003e\n\u003cp class=\"rds-typography__paragraph-small rds-layout--top-0 rds-layout--bottom-0\"\u003eFor TTY devices, dial 711\u003c\/p\u003e\n\u003cbutton class=\"rds-typography__text-link rds-layout--top-0\" data-open=\"bae92a3a-2204-4946-9e19-621daf743dd9\" type=\"button\"\u003eHours\u003cspan class=\"rds-globals__screen-reader\"\u003e, Opens dialog\u003c\/span\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-image\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-property_clothing-store_banner_21-9.jpg.transform\/bannerLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-property_clothing-store_banner_21-9.jpg.transform\/bannerLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"adaptive-image-wrap empty\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-property_clothing-store_banner_4-3.jpg.transform\/bannerMobile\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-property_clothing-store_banner_4-3.jpg.transform\/bannerSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-property_clothing-store_banner_4-3.jpg.transform\/bannerMedium\/image.jpg\" data-media=\"screen and (min-width: 768px) and (max-width: 991px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"high-prominence-container aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat’s commercial property insurance?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eAlso known as business property insurance, it covers the building and property that make up your business, whether you own, lease or work from home. This includes things like your building structure, important documents and other tools you use to run your business. \u003csup class=\"usaa-disclosure-superscript one-character\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-agcy0200-general-coverage\/master\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-font-size=\"\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e1\u003c\/sup\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003cdiv class=\"rds-button__group--align-left\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-left rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-property_business-team-working-in-office_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-property_business-team-working-in-office_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-property_business-team-working-in-office_16-9.jpg.transform\/spotlightLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-property_business-team-working-in-office_16-9.jpg.transform\/spotlightLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch3 class=\"rds-typography__headline-2 rds-layout--top-0\"\u003eWhat type of business needs property insurance?\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eIf your business owns or rents anything of value — from lawnmowers to office furniture — you should consider commercial property insurance.\u003c\/p\u003e\n\u003cp\u003eNo matter the size or type of your company — from one landscaper to hundreds of employees — every business is exposed to risk. Fires, storms, theft, vandalism, burst pipes, and even riots can disrupt your business. Commercial property insurance can help cover costs to keep it running.\u003c\/p\u003e\n\u003cp\u003eIf your business needs coverage beyond what commercial property insurance can provide, check out our other solutions for\u003cspan\u003e \u003c\/span\u003e\u003ca title=\"Small business insurance products\" href=\"https:\/\/www.usaa.com\/insurance\/small-business\/?wa_ref=pub_global_insurance_business\" target=\"_self\"\u003esmall business insurance\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--horizontal\n                rds-globals__background-primary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 horizontal-feature-collection\"\u003e\n\u003cdiv\u003e\n\u003chgroup\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat does commercial property insurance cover?\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\n\u003cp\u003eIt can cover your business’s physical assets based on actual cash value, agreed value or what it costs to replace them. These could include:\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row rds-layout--bottom-4 horizontal-size-3\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/hotel.png\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eBuildings\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eThe structure you own or rent.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-refrigerator.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eBusiness personal property\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eComputers, refrigerators, inventory and more\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-light-bulb.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eOther property features\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eSigns, glass, fencing and lighting\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__cta--horizontal\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--vertical\n                rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 aem-feature-collection-level2\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003chgroup class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eOther coverages you can add\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\n\u003cp\u003eThere are more than 100 ways to customize your policy. Here are some popular options. \u003csup class=\"usaa-disclosure-superscript one-character\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-agcy0700-claims-coverage-examples-scenarios\/master\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-font-size=\"\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e2\u003c\/sup\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 aem-feature-collection__stack\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-tools.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eBusiness interruption\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eThis can help cover your expenses and lost income if you have to close for an extended period, like if your roof collapses or a storm knocks a tree into your building.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-circles-with-plus-signs.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eAdditional insured\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eThis may extend your coverage to a third party, like a vendor or subcontractor.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-lightning-bolt.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eService interruption\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eThis could help protect your income if you lose electricity from damage that happens off your premises, like downed powerlines from a storm.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-lock.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eCivil authority\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eThis may help protect your income if the government denies access to your property because of natural disasters, riots or terrorism.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-right rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-property_smiling-business-owner-with-open-sign_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-property_smiling-business-owner-with-open-sign_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-property_smiling-business-owner-with-open-sign_16-9.jpg.transform\/spotlightLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/commercial-property_smiling-business-owner-with-open-sign_16-9.jpg.transform\/spotlightLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch3 class=\"rds-typography__headline-2 rds-layout--top-0\"\u003eWhy choose us for property insurance?\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eIf you qualify, it takes just a few minutes to quote and buy a USAA policy. We also work with other leading insurance carriers, so depending on what you need, we may connect you with another insurance company through the USAA Insurance Agency.\u003c\/p\u003e\n\u003cp\u003eA commercial specialist can help you choose the right amount of protection. If you have questions about a policy, call\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"tel:8002928135\"\u003e800-292-8135\u003c\/a\u003e.\u003c\/p\u003e\n\u003cp\u003eAnd if you have to report a claim, you can expect USAA-level support no matter who manages your policy.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"callout-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-callout-block-container rds-globals__background-secondary icon\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-md-8 rds-layout__grid-column-lg-7 rds-layout__grid-offset-lg-1 rds-layout__grid-column-xl-6 icon-content\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eAn easy way to protect your business\u003c\/h2\u003e\n\u003cp\u003eIf you need a broader range of coverage, consider a\u003cspan\u003e \u003c\/span\u003e\u003ca title=\"Business owners policy, BOP\" href=\"https:\/\/www.usaa.com\/inet\/wc\/business-owners-policy\"\u003ebusiness owners policy, or BOP\u003c\/a\u003e. It provides coverage for general liability, property damage and business income — all in one policy.\u003c\/p\u003e\n\u003cdiv class=\"cta-container\"\u003e\u003ca class=\"rds-button__secondary usaa-aem-button__secondary usaa-aem-button__group\" href=\"https:\/\/www.usaa.com\/insurance\/small-business-quote\/#\/industrySelection\" data-allowed-timed-redirect=\"false\" data-cookie-enabled=\"false\"\u003eGet a BOP quote \u003c\/a\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"callout-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-callout-block-container rds-globals__background-secondary icon\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-md-8 rds-layout__grid-column-lg-7 rds-layout__grid-offset-lg-1 rds-layout__grid-column-xl-6 icon-content\"\u003e\n\u003cdiv class=\"cta-container\"\u003e\u003ca data-cookie-enabled=\"false\" data-allowed-timed-redirect=\"false\" href=\"https:\/\/www.usaa.com\/insurance\/small-business-quote\/#\/industrySelection\" class=\"rds-button__primary usaa-aem-button__primary usaa-aem-button__group\"\u003eGet a BOP quote \u003cspan class=\"rds-globals__screen-reader\"\u003efor a business owners policy\u003c\/span\u003e\u003c\/a\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003col aria-describedby=\"footnote_disclosures\" class=\"usaa-aem-disclosures__container -footnote\"\u003e\n\u003cli aria-label=\"Note\" class=\"usaa-aem-disclosures__paragraph-legal -footnote\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli aria-label=\"Note\" class=\"usaa-aem-disclosures__paragraph-legal -footnote\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp id=\"standard_disclosure_footnotes\" class=\"rds-globals__screen-reader\"\u003eRelated footnotes:\u003c\/p\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eUSAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eSmall Business Insurance is underwritten by Garrison Property \u0026amp; Casualty Insurance Company, San Antonio, Texas (\"Garrison\"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) (\"third-party insurance companies\"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the \"Agency\") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services (\"third-party insurance products\") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the \"Agency\"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp class=\"rds-typography__paragraph-small usaa-aem-footer-closing-section__paragraph-numbers\"\u003e5952579\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"USAA","offers":[{"title":"Default Title","offer_id":46782185767142,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/usaalogo.png?v=1761350170"},{"product_id":"usaa-professional-liability-insurance","title":"USAA Professional liability insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch1 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eProfessional liability insurance for when mistakes happen\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-banner-text\"\u003e\n\u003cp\u003eWe work with leading insurance companies to help cover your business if something goes wrong with your services.\u003c\/p\u003e\n\u003cp\u003eTo speak with a USAA Insurance Agency commercial specialist about your coverage needs,\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"tel:800-292-8135\"\u003ecall 800-292-8135\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"cta-container rds-layout__grid-column-12 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-image\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owner-with-clients_21-9.png.transform\/bannerLarge\/image.png\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owner-with-clients_21-9.png.transform\/bannerLarge\/image.png\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"adaptive-image-wrap empty\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owner-with-clients_4-3.png.transform\/bannerMobile\/image.png\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owner-with-clients_4-3.png.transform\/bannerSmall\/image.png\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owner-with-clients_4-3.png.transform\/bannerMedium\/image.png\" data-media=\"screen and (min-width: 768px) and (max-width: 991px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat's professional liability insurance?\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eProfessional liability can help pay your legal defense costs, including judgments and settlements, if a client sues your company for mistakes, negligence or bad advice.\u003c\/p\u003e\n\u003cp\u003eIn certain trades and industries, it’s often referred to as malpractice or errors and omissions insurance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003cdiv class=\"rds-button__group--align-left\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-left rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/barber-with-client_16-9.png.transform\/spotlightSmall\/image.png\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/barber-with-client_16-9.png.transform\/spotlightSmall\/image.png\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/barber-with-client_16-9.png.transform\/spotlightLarge\/image.png\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/barber-with-client_16-9.png.transform\/spotlightLarge\/image.png\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWho it’s for\u003c\/h2\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eIf you provide professional services or give advice to clients, you should consider a professional liability policy to supplement your\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.usaa.com\/inet\/wc\/business-resources\"\u003ebusiness coverage\u003c\/a\u003e.\u003c\/p\u003e\n\u003cp\u003eHere are some of the most common professionals who use this policy:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eBeauty salon and barber shop owners\u003c\/li\u003e\n\u003cli\u003eConsultants and counselors\u003c\/li\u003e\n\u003cli\u003eHealth care and IT professionals\u003c\/li\u003e\n\u003cli\u003eLawyers, architects and engineers\u003c\/li\u003e\n\u003cli\u003eReal estate agents, interior designers and personal trainers\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-right rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-working-at-computer_16-9.png.transform\/spotlightSmall\/image.png\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-working-at-computer_16-9.png.transform\/spotlightSmall\/image.png\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-working-at-computer_16-9.png.transform\/spotlightLarge\/image.png\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-working-at-computer_16-9.png.transform\/spotlightLarge\/image.png\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eCoverage for errors and omissions\u003c\/h2\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eProfessional liability insurance is also known as errors and omissions insurance.\u003c\/p\u003e\n\u003cp\u003eIt helps protect your business if you or someone who works for you makes a mistake that results in financial loss for your client.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--vertical\n                rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 aem-feature-collection-level2\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003chgroup class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat else does professional liability cover?\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\n\u003cp\u003eA policy could also help protect your business against the following types of claims: \u003csup class=\"usaa-disclosure-superscript one-character\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-agcy0700-claims-coverage-examples-scenarios\/master\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-font-size=\"\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e1\u003c\/sup\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 aem-feature-collection__stack\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eNegligence\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYou or someone who works for you may not meet professional obligations like a critical deadline that costs your client.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eMistakes Made by Contractors\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eThe general or third-party contractors you hired could make mistakes on your client's project.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eMisrepresentation\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYou or one of your employees may give false or misleading information that affects your client's decision to sign a contract.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eInaccurate Advice\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYour client could lose money after they act on advice your company gives them.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eViolation of Good Faith and Fair Dealing\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYour business may do something that results in your client not getting the full benefits of a contract.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eDo I really need professional liability insurance?\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eEven if you or someone who works for you didn't make the mistake, your client can still file a lawsuit if they believe your company was responsible.\u003c\/p\u003e\n\u003cp\u003eWithout professional liability coverage, you may have to pay your legal expenses out of pocket.\u003c\/p\u003e\n\u003ch2\u003e\u003cspan class=\"rds-typography__headline-2\"\u003eIt may be required.\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003eSome professional licenses may require it. For example, certain states require doctors and some other medical professionals to have coverage.\u003c\/p\u003e\n\u003cp\u003eAnd some clients may ask you to have it before doing business with you.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003cdiv class=\"rds-button__group--align-left\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-right rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-in-office_16-9.png.transform\/spotlightSmall\/image.png\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-in-office_16-9.png.transform\/spotlightSmall\/image.png\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-in-office_16-9.png.transform\/spotlightLarge\/image.png\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-in-office_16-9.png.transform\/spotlightLarge\/image.png\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhy get a policy through the USAA Insurance Agency?\u003c\/h2\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eThe USAA Insurance Agency is here to help you find insurance to fit your needs. Our long-standing alliances with other insurance providers allow us to make sure you get a great mix of coverage, pricing and quality customer service.\u003c\/p\u003e\n\u003cp\u003eA commercial specialist can help you choose the right amount of protection. If you have questions about a policy, call\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"tel:800-292-8135\"\u003e800-292-8135\u003c\/a\u003e.\u003c\/p\u003e\n\u003cp\u003eAnd if you have to report a claim, you can expect USAA-level support no matter who manages your policy.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"callout-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-callout-block-container rds-globals__background-secondary icon\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-md-8 rds-layout__grid-column-lg-7 rds-layout__grid-offset-lg-1 rds-layout__grid-column-xl-6 icon-content\"\u003e\n\u003cdiv class=\"cta-container\"\u003e\u003ca data-cookie-enabled=\"false\" data-allowed-timed-redirect=\"false\" href=\"https:\/\/www.usaa.com\/insurance\/small-business-quote\/#\/industrySelection\" class=\"rds-button__secondary usaa-aem-button__secondary usaa-aem-button__group\"\u003eGet a BOP quote \u003c\/a\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"callout-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-callout-block-container rds-globals__background-secondary icon\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-md-8 rds-layout__grid-column-lg-7 rds-layout__grid-offset-lg-1 rds-layout__grid-column-xl-6 icon-content\"\u003e\n\u003cdiv class=\"cta-container\"\u003e\u003ca class=\"rds-button__primary usaa-aem-button__primary usaa-aem-button__group\" href=\"https:\/\/www.usaa.com\/insurance\/small-business-quote\/#\/industrySelection\" data-allowed-timed-redirect=\"false\" data-cookie-enabled=\"false\"\u003eGet a BOP quote \u003cspan class=\"rds-globals__screen-reader\"\u003efor a business owners policy\u003c\/span\u003e\u003c\/a\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003col class=\"usaa-aem-disclosures__container -footnote\" aria-describedby=\"footnote_disclosures\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal -footnote\" aria-label=\"Note\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal -footnote\" aria-label=\"Note\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp class=\"rds-globals__screen-reader\" id=\"standard_disclosure_footnotes\"\u003eRelated footnotes:\u003c\/p\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eUSAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eSmall Business Insurance is underwritten by Garrison Property \u0026amp; Casualty Insurance Company, San Antonio, Texas (\"Garrison\"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) (\"third-party insurance companies\"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the \"Agency\") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services (\"third-party insurance products\") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the \"Agency\"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp class=\"rds-typography__paragraph-small usaa-aem-footer-closing-section__paragraph-numbers\"\u003e5952579\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"USAA","offers":[{"title":"Default Title","offer_id":46782193402086,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/usaalogo.png?v=1761350170"},{"product_id":"usaa-cyber-insurance","title":"USAA Cyber insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"callout-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-callout-block-container rds-globals__background-secondary icon\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"callout-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-callout-block-container rds-globals__background-secondary icon\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-md-8 rds-layout__grid-column-lg-7 rds-layout__grid-offset-lg-1 rds-layout__grid-column-xl-6 icon-content\"\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch1 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eCyber insurance for your business\u003cbr\u003e\n\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-banner-text\"\u003e\n\u003cp\u003eWhether your business is large or small, help protect it through our alliances with leading insurance companies.\u003c\/p\u003e\n\u003cp\u003eTo speak with a USAA Insurance Agency commercial specialist about your needs, call\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"tel:8002928135\"\u003e800-292-8135\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"cta-container rds-layout__grid-column-12 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-image\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/coworkers-in-data-storage-facility-21-9.jpg.transform\/bannerLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/coworkers-in-data-storage-facility-21-9.jpg.transform\/bannerLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"adaptive-image-wrap empty\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/coworkers-in-data-storage-facility-4-3.jpg.transform\/bannerMobile\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/coworkers-in-data-storage-facility-4-3.jpg.transform\/bannerSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/coworkers-in-data-storage-facility-4-3.jpg.transform\/bannerMedium\/image.jpg\" data-media=\"screen and (min-width: 768px) and (max-width: 991px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat’s cyber insurance?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eCyber liability insurance is a crucial part of\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.usaa.com\/inet\/wc\/business-resources\/\"\u003ebusiness insurance\u003c\/a\u003e. It can help protect your business from the cost of cyberattacks and data breaches.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003cdiv class=\"rds-button__group--align-left\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-left rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/coworkers-meeting-around-computer-smiling-16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/coworkers-meeting-around-computer-smiling-16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/coworkers-meeting-around-computer-smiling-16-9.jpg.transform\/spotlightLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/coworkers-meeting-around-computer-smiling-16-9.jpg.transform\/spotlightLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWho it’s for\u003cbr\u003e\n\u003c\/h2\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eAny company that uses electronic devices could benefit from cyber insurance. You should consider it if your business:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eAccepts credit cards or other forms of digital payment.\u003c\/li\u003e\n\u003cli\u003eStores financial or medical data.\u003c\/li\u003e\n\u003cli\u003eCollects sensitive information from customers.\u003c\/li\u003e\n\u003cli\u003eUses computers or mobile devices, or has an online presence.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--horizontal\n                rds-globals__background-primary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 horizontal-feature-collection\"\u003e\n\u003cdiv\u003e\n\u003chgroup\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eGet the right cyber protection for your business.\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row rds-layout--bottom-4 horizontal-size-2\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eFirst-Party Coverage\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eThis can help pay for covered cyber losses on your company's network or systems. It can also help you respond to cyberattacks and data breaches.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eThird-Party Coverage\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eThis can help cover legal costs if another company blames your business for their cyber losses. Plus, it can help if a breach on a client’s or vendor's network affects your systems or data.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__cta--horizontal\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--vertical\n                rds-globals__background-primary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 aem-feature-collection-level2\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003chgroup class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat’s covered?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 aem-feature-collection__stack\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-clipboard-with-checklist.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eData Breach Response\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf your business has a breach, this policy can help you obtain professional services that assist in notifying employees and customers.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-laptop.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eRepairs and Restoration\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf you need to fix, recover, or replace data and software, this insurance can help cover the costs.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-document-and-shield.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eLegal Expenses\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf your business faces lawsuits, fines or liability claims after a breach, cyber insurance can help pay the expenses.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-cash.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eLost Income\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf your business is interrupted or you’re forced to pay a ransom after a cyberattack, your policy can help you recover.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-safe.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eSystem Improvements\u003cbr\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eIf you’ve had a breach, a policy may help pay for enhancements to guard your system from future attacks.\u003cbr\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-right rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/coworkers-look-at-computer-screen-smiling-16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/coworkers-look-at-computer-screen-smiling-16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/coworkers-look-at-computer-screen-smiling-16-9.jpg.transform\/spotlightLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/coworkers-look-at-computer-screen-smiling-16-9.jpg.transform\/spotlightLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhy get a policy through the USAA Insurance Agency?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eThe USAA Insurance Agency is here to help you find insurance to fit your needs. Our long-standing alliances with other insurance providers allow us to make sure you get a great mix of coverage, pricing and quality customer service.\u003c\/p\u003e\n\u003cp\u003eAlso, when you buy insurance through the USAA Insurance Agency, you help us support the military community through charitable contributions and special events.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eDo I really need cyber insurance?\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eDon't underestimate the cost of a data breach. The impact can last years. And the cost can add up to millions of dollars, especially if your business faces lawsuits and fines.\u003c\/p\u003e\n\u003cp\u003eThe average cost of a data breach in 2024 was $4.88 million worldwide, according to the IBM Cost of a Data Breach Report.\u003c\/p\u003e\n\u003ch3\u003e\u003cspan class=\"rds-typography__headline-3\"\u003eWhat about small businesses?\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp\u003eJust because you have a small staff doesn’t mean you’re not at risk.\u003c\/p\u003e\n\u003cp\u003eMore than 60% of breaches involved outside parties, according to the 2024 Verizon Data Breach Investigations Report.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\u003ca data-cookie-enabled=\"false\" data-allowed-timed-redirect=\"false\" href=\"https:\/\/www.usaa.com\/insurance\/small-business-quote\/#\/industrySelection\" class=\"rds-button__primary usaa-aem-button__primary usaa-aem-button__group\"\u003eGet a BOP quote \u003cspan class=\"rds-globals__screen-reader\"\u003efor a business owners policy\u003c\/span\u003e\u003c\/a\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003col aria-describedby=\"footnote_disclosures\" class=\"usaa-aem-disclosures__container -footnote\"\u003e\n\u003cli aria-label=\"Note\" class=\"usaa-aem-disclosures__paragraph-legal -footnote\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli aria-label=\"Note\" class=\"usaa-aem-disclosures__paragraph-legal -footnote\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp id=\"standard_disclosure_footnotes\" class=\"rds-globals__screen-reader\"\u003eRelated footnotes:\u003c\/p\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eUSAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eSmall Business Insurance is underwritten by Garrison Property \u0026amp; Casualty Insurance Company, San Antonio, Texas (\"Garrison\"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) (\"third-party insurance companies\"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the \"Agency\") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services (\"third-party insurance products\") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the \"Agency\"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp class=\"rds-typography__paragraph-small usaa-aem-footer-closing-section__paragraph-numbers\"\u003e5952579\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"USAA","offers":[{"title":"Default Title","offer_id":46782196252902,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/usaalogo.png?v=1761350170"},{"product_id":"higginbotham-group-health-insurance","title":"Higginbotham Group Health Insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our No hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this business to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate Disbursing your information far and wide. Only Work with those you select. \u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003eDesigned to help businesses reduce health care costs for employees and their dependents, a group health insurance policy splits the cost of coverage by way of blanket coverage provided to all participating employees, with premium cost being split between the employer and the employed. An insurance carrier pays for the agreed-upon portion of your employee medical costs outlined in your policy in exchange for premium payment and an employee copay.\u003c\/p\u003e\n\u003cp\u003eTypically, the higher the monthly premium cost you pay, the lower your employee deductible will be. Group plan coverage can help with the cost of checkups at the doctor, prescriptions, emergency room visits, long-term care and more.\u003c\/p\u003e\n\u003cp\u003eIn most cases, buying into an\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.higginbotham.com\/employee-benefits\/group-insurance\/group-health-insurance\/\"\u003eemployer group health plan\u003c\/a\u003e\u003cspan\u003e \u003c\/span\u003eis more cost-effective for an employee than purchasing individual or family coverage independently.\u003c\/p\u003e\n\u003cp\u003eWhile a group plan can improve job satisfaction, retention and recruiting capabilities, there are requirements an employer should understand.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881057407206,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"higginbotham-group-life-insurance","title":"Higginbotham Group Life Insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our No hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this business to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate Disbursing your information far and wide. Only Work with those you select. Or request a quote directly by clicking this link.\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003ca href=\"https:\/\/www.higginbotham.com\/lets-talk\/\" rel=\"noopener\" target=\"_blank\"\u003e\u003cspan\u003eLet's Talk\u003c\/span\u003e\u003c\/a\u003e\u003c\/p\u003e\n\u003ch2\u003eGroup Life Insurance\u003c\/h2\u003e\n\u003cp\u003eOffering\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.higginbotham.com\/employee-benefits\/group-insurance\/\"\u003egroup benefits for employees\u003c\/a\u003e\u003cspan\u003e \u003c\/span\u003ecan be a great way to improve job satisfaction and increase retention.\u003c\/p\u003e\n\u003cp\u003eWhile many\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.higginbotham.com\/blog\/how-employers-are-taking-charge-of-health-care\/\"\u003eemployers\u003c\/a\u003e\u003cspan\u003e \u003c\/span\u003econsider offering health and dental coverage for employees, life insurance is a benefit that some overlook. Available in several varieties with each tailored to a different set of needs and goals,\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.higginbotham.com\/blog\/benefits-of-group-life-insurance\/\"\u003egroup life insurance\u003c\/a\u003e\u003cspan\u003e \u003c\/span\u003ecan be an excellent avenue for adding value for your employees.\u003c\/p\u003e\n\u003cp\u003eIf you’re exploring group life insurance and have questions, Higginbotham is here to answer them.\u003c\/p\u003e\n\u003csection class=\"gutenblock gutenblock--oms-text-left-header bg-color-white  text_layout\" id=\"gutenblock-block_e86f3edf3c1fba4540685f1ebc40e82d\" data-wpr-lazyrender=\"1\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch3\u003e\u003ca href=\"https:\/\/birddawgnetwork.com\/products\/higginbotham-term-life-insurance?_pos=4\u0026amp;_psq=higgin\u0026amp;_ss=e\u0026amp;_v=1.0\"\u003eTerm Life\u003c\/a\u003e\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cp\u003eTerm life insurance is widely regarded as the simplest and most cost effective form of group life insurance available. A term life policy works by first establishing a “term,” which is usually as little as one year and as long as 30 years.\u003c\/p\u003e\n\u003cp\u003eAfter selecting a term length, the employee chooses between a “level term” or a “decreasing term.” Decreasing terms slowly decrease the payment amount each year. Level terms pay the same death benefit throughout duration of the policy.\u003c\/p\u003e\n\u003cp\u003eWhile decreasing term life policies tend to have lower premium costs than other forms of life insurance, the death benefit they provide may not fully cover the needs of a spouse or dependents.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"gutenblock gutenblock--oms-text-left-header bg-color-lt-gray  text_layout\" id=\"gutenblock-block_ed195aa0f8aad45c6b14780c8b70ea5c\" data-wpr-lazyrender=\"1\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch3\u003e\u003ca href=\"https:\/\/birddawgnetwork.com\/products\/higginbotham-whole-permanent-life-insurance?_pos=3\u0026amp;_psq=higgin\u0026amp;_ss=e\u0026amp;_v=1.0\" target=\"_blank\" rel=\"noopener\"\u003eWhole\/Permanent Life\u003c\/a\u003e\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cp\u003eUnlike term life options, whole life insurance can cover employees throughout their lifetime. While cost per $1,000 of death benefit on a whole life policy typically increases as the employee ages, the premium payment and total death benefit often stays the same year-over-year.\u003c\/p\u003e\n\u003cp\u003eThis is achieved through higher premium payments during the employee’s early years and investing the difference in hopes of gaining returns. These returns are then leveraged to offset increases in coverage costs as the employee ages.\u003c\/p\u003e\n\u003cp\u003eIf the employee wants to terminate the policy before death, the insurance carrier is usually required to make the cash value of these overpayments available for withdrawal.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"gutenblock gutenblock--oms-text-left-header bg-color-white  text_layout\" id=\"gutenblock-block_ccb56ace2c42aacf8d086533a66e86f0\" data-wpr-lazyrender=\"1\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch3\u003e\u003ca href=\"https:\/\/birddawgnetwork.com\/products\/higginbotham-universal-life-insurance\" target=\"_blank\" rel=\"noopener\"\u003eUniversal Life\u003c\/a\u003e\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cp\u003eAlso commonly known as “adjustable life,” universal life coverage is a special type of whole life policy designed to create more cash value flexibility for the employee.\u003c\/p\u003e\n\u003cp\u003eUniversal life policies accomplish this by way of a cash value account that earns money at the market rate of interest. Once enough value has accrued in the account, the employee can apply the financial gains to offset premium payments, effectively lowering the monthly cost.\u003c\/p\u003e\n\u003cp\u003eBecause the employee can draw from the policy’s cash value, a universal life plan can also serve as a mechanism for post-retirement income replacement.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"gutenblock gutenblock--oms-text-left-header bg-color-lt-gray  text_layout\" id=\"gutenblock-block_2e5c53284a3396c94bc045afa8742707\" data-wpr-lazyrender=\"1\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch3\u003e\u003ca href=\"https:\/\/birddawgnetwork.com\/products\/higginbotham-variable-life-insurance\" target=\"_blank\" rel=\"noopener\"\u003eVariable Life\u003c\/a\u003e\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cp\u003eVariable life is another specialized form of whole life insurance. Like universal life options, variable policies also establish a savings account intended to grow cash value through investment in stocks,\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.higginbotham.com\/business-insurance\/commercial-coverage\/bonds\/\"\u003ebonds\u003c\/a\u003e\u003cspan\u003e \u003c\/span\u003eand money market mutual funds. While they employ the same basic strategy as universal life, variable life coverage tends to involve considerably more risk.\u003c\/p\u003e\n\u003cp\u003eThis is because market fluctuation can negatively affect cash and death benefit values. Though some variable life options cap potential losses by setting a minimum policy value as a trigger for divesting.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cp\u003e\u003cspan\u003eDisclaimer: The material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881145094374,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"higginbotham-term-life-insurance","title":"Higginbotham Term Life Insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our no hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this product to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate disbursing your information far and wide. Only work with those you select. Or contact the provider directly with this link here. \u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003ca href=\"https:\/\/www.higginbotham.com\/business-insurance\/request-a-quote\/\" target=\"_blank\" rel=\"noopener\"\u003e\u003cspan\u003eRequest a Quote\u003c\/span\u003e\u003c\/a\u003e\u003c\/p\u003e\n\u003csection data-wpr-lazyrender=\"1\" id=\"gutenblock-block_e86f3edf3c1fba4540685f1ebc40e82d\" class=\"gutenblock gutenblock--oms-text-left-header bg-color-white  text_layout\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch3\u003eTerm Life\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cp\u003eTerm life insurance is widely regarded as the simplest and most cost effective form of group life insurance available. A term life policy works by first establishing a “term,” which is usually as little as one year and as long as 30 years.\u003c\/p\u003e\n\u003cp\u003eAfter selecting a term length, the employee chooses between a “level term” or a “decreasing term.” Decreasing terms slowly decrease the payment amount each year. Level terms pay the same death benefit throughout duration of the policy.\u003c\/p\u003e\n\u003cp\u003eWhile decreasing term life policies tend to have lower premium costs than other forms of life insurance, the death benefit they provide may not fully cover the needs of a spouse or dependents.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection data-wpr-lazyrender=\"1\" id=\"gutenblock-block_ed195aa0f8aad45c6b14780c8b70ea5c\" class=\"gutenblock gutenblock--oms-text-left-header bg-color-lt-gray  text_layout\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection data-wpr-lazyrender=\"1\" id=\"gutenblock-block_2e5c53284a3396c94bc045afa8742707\" class=\"gutenblock gutenblock--oms-text-left-header bg-color-lt-gray  text_layout\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cp\u003e\u003cspan\u003eDisclaimer: The material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881260962022,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"higginbotham-whole-permanent-life-insurance","title":"Higginbotham Whole\/Permanent Life Insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our no hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this product to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate disbursing your information far and wide. Only work with those you select. Or contact the provider directly with this link here. \u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003ca rel=\"noopener\" href=\"https:\/\/www.higginbotham.com\/business-insurance\/request-a-quote\/\" target=\"_blank\"\u003e\u003cspan\u003eRequest a Quote\u003c\/span\u003e\u003c\/a\u003e\u003c\/p\u003e\n\u003csection class=\"gutenblock gutenblock--oms-text-left-header bg-color-white  text_layout\" id=\"gutenblock-block_e86f3edf3c1fba4540685f1ebc40e82d\" data-wpr-lazyrender=\"1\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch3\u003eWhole\/Permanent Life\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cp\u003eUnlike term life options, whole life insurance can cover employees throughout their lifetime. While cost per $1,000 of death benefit on a whole life policy typically increases as the employee ages, the premium payment and total death benefit often stays the same year-over-year.\u003c\/p\u003e\n\u003cp\u003eThis is achieved through higher premium payments during the employee’s early years and investing the difference in hopes of gaining returns. These returns are then leveraged to offset increases in coverage costs as the employee ages.\u003c\/p\u003e\n\u003cp\u003eIf the employee wants to terminate the policy before death, the insurance carrier is usually required to make the cash value of these overpayments available for withdrawal.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"gutenblock gutenblock--oms-text-left-header bg-color-lt-gray  text_layout\" id=\"gutenblock-block_2e5c53284a3396c94bc045afa8742707\" data-wpr-lazyrender=\"1\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cp\u003e\u003cspan\u003eDisclaimer: The material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881487782118,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"higginbotham-universal-life-insurance","title":"Higginbotham Universal Life Insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our no hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this product to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate disbursing your information far and wide. Only work with those you select. Or contact the provider directly with this link here. \u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003ca href=\"https:\/\/www.higginbotham.com\/business-insurance\/request-a-quote\/\" rel=\"noopener\" target=\"_blank\"\u003e\u003cspan\u003eRequest a Quote\u003c\/span\u003e\u003c\/a\u003e\u003c\/p\u003e\n\u003csection data-wpr-lazyrender=\"1\" id=\"gutenblock-block_e86f3edf3c1fba4540685f1ebc40e82d\" class=\"gutenblock gutenblock--oms-text-left-header bg-color-white  text_layout\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch3\u003eUniversal Life\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cp\u003eAlso commonly known as “adjustable life,” universal life coverage is a special type of whole life policy designed to create more cash value flexibility for the employee.\u003c\/p\u003e\n\u003cp\u003eUniversal life policies accomplish this by way of a cash value account that earns money at the market rate of interest. Once enough value has accrued in the account, the employee can apply the financial gains to offset premium payments, effectively lowering the monthly cost.\u003c\/p\u003e\n\u003cp\u003eBecause the employee can draw from the policy’s cash value, a universal life plan can also serve as a mechanism for post-retirement income replacement.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cp\u003e\u003cspan\u003eDisclaimer: The material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881557151974,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"higginbotham-variable-life-insurance","title":"Higginbotham Variable Life Insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our no hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this product to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate disbursing your information far and wide. Only work with those you select. Or contact the provider directly with this link here. \u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003ca rel=\"noopener\" href=\"https:\/\/www.higginbotham.com\/business-insurance\/request-a-quote\/\" target=\"_blank\"\u003e\u003cspan\u003eRequest a Quote\u003c\/span\u003e\u003c\/a\u003e\u003c\/p\u003e\n\u003csection class=\"gutenblock gutenblock--oms-text-left-header bg-color-white  text_layout\" id=\"gutenblock-block_e86f3edf3c1fba4540685f1ebc40e82d\" data-wpr-lazyrender=\"1\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cdiv class=\"column header-left\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch3\u003eVariable Life\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cp\u003eVariable life is another specialized form of whole life insurance. Like universal life options, variable policies also establish a savings account intended to grow cash value through investment in stocks,\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.higginbotham.com\/business-insurance\/commercial-coverage\/bonds\/\"\u003ebonds\u003c\/a\u003e\u003cspan\u003e \u003c\/span\u003eand money market mutual funds. While they employ the same basic strategy as universal life, variable life coverage tends to involve considerably more risk.\u003c\/p\u003e\n\u003cp\u003eThis is because market fluctuation can negatively affect cash and death benefit values. Though some variable life options cap potential losses by setting a minimum policy value as a trigger for divesting.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cp\u003e\u003cspan\u003eDisclaimer: The material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881601945830,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"higginbotham-group-dental-insurance","title":"Higginbotham Group Dental Insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our No hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this business to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate Disbursing your information far and wide. Only Work with those you select. Or request a quote directly by clicking this link.\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003ca href=\"https:\/\/www.higginbotham.com\/lets-talk\/\" rel=\"noopener\" target=\"_blank\"\u003e\u003cspan\u003eLet's Talk\u003c\/span\u003e\u003c\/a\u003e\u003c\/p\u003e\n\u003ch3\u003eGroup Dental Benefits\u003c\/h3\u003e\n\u003cp\u003eGroup dental insurance plans can be a cost-effective way to help take care of your employees’ dental needs, improve employee satisfaction and increase employee retention. In addition to these advantages, group plans can also incur tax benefits for your business.\u003c\/p\u003e\n\u003ch2\u003eGroup dental plans are usually available in two common varieties.\u003c\/h2\u003e\n\u003ch3\u003e\u003ca href=\"https:\/\/birddawgnetwork.com\/products\/higginbotham-dental-preferred-provider-organization-dppo\"\u003eDental Preferred Provider Organization (DPPO)\u003c\/a\u003e\u003c\/h3\u003e\n\u003cp\u003eWhile a dental preferred provider organization plan, or DPPO, can be considerably more flexible than a dental health maintenance organization plan, or DHMO, they’re often more expensive.\u003c\/p\u003e\n\u003cp\u003eRather than require the election of a primary dentist, a DPPO plan allows employees to visit any in-network dentist or oral care specialist of their choosing.\u003c\/p\u003e\n\u003cp\u003eA DPPO doesn’t require a primary dentist referral as a prerequisite to visiting a specialist and may extend some degree of coverage for out-of-network service providers.\u003c\/p\u003e\n\u003cp\u003eThat said, out-of-network services often carry higher out-of-pocket costs.\u003c\/p\u003e\n\u003ch3\u003e\u003ca href=\"https:\/\/birddawgnetwork.com\/products\/higginbotham-dental-health-maintenance-organization-dhmo\"\u003eDental Health Maintenance Organization (DHMO)\u003c\/a\u003e\u003c\/h3\u003e\n\u003cp\u003eOften the less expensive of the two group coverage options, a DHMO limits eligible dental service providers to a predetermined network of dentists and orthodontists.\u003c\/p\u003e\n\u003cp\u003eAfter signing up for a DHMO dental plan, employees must select a primary dentist.\u003c\/p\u003e\n\u003cp\u003eThis primary dentist will perform the majority of preventive care, routine dental work and maintenance, referring in-network dentists approved by the dental insurance carrier for oral surgeries and other procedures that require a dental specialist.\u003c\/p\u003e\n\u003cp\u003eFor example, if employees need to see an oral surgeon on a DHMO plan, they would need to schedule an appointment with their primary dentist to confirm the need and refer them to an in-network service provider.\u003c\/p\u003e\n\u003cp\u003eSpecifically, employer contributions to a group health plan are considered “pre-tax” income, enabling participating businesses to offset payroll and income tax when it comes time to calculate liability.\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eDisclaimer: The material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881620754662,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"higginbotham-dental-preferred-provider-organization-dppo","title":"Higginbotham Dental Preferred Provider Organization (DPPO)","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our No hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this business to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate Disbursing your information far and wide. Only Work with those you select. Or request a quote directly by clicking this link.\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003ca rel=\"noopener\" href=\"https:\/\/www.higginbotham.com\/business-insurance\/request-a-quote\/\" target=\"_blank\"\u003eRequest a Quote\u003c\/a\u003e\u003c\/p\u003e\n\u003ch3\u003eDental Preferred Provider Organization (DPPO)\u003c\/h3\u003e\n\u003cp\u003eWhile a dental preferred provider organization plan, or DPPO, can be considerably more flexible than a dental health maintenance organization plan, or DHMO, they’re often more expensive.\u003c\/p\u003e\n\u003cp\u003eRather than require the election of a primary dentist, a DPPO plan allows employees to visit any in-network dentist or oral care specialist of their choosing.\u003c\/p\u003e\n\u003cp\u003eA DPPO doesn’t require a primary dentist referral as a prerequisite to visiting a specialist and may extend some degree of coverage for out-of-network service providers.\u003c\/p\u003e\n\u003cp\u003eThat said, \u003cspan style=\"text-decoration: underline;\"\u003eout-of-network\u003c\/span\u003e services often carry higher out-of-pocket costs.\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003e\u003cstrong\u003eDisclaimer: \u003c\/strong\u003e\u003cem\u003eThe material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.\u003c\/em\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881626620134,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"higginbotham-dental-health-maintenance-organization-dhmo","title":"Higginbotham Dental Health Maintenance Organization (DHMO)","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our No hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this business to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate Disbursing your information far and wide. Only Work with those you select. Or request a quote directly by clicking this link.\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003ca href=\"https:\/\/www.higginbotham.com\/business-insurance\/request-a-quote\/\" rel=\"noopener\" target=\"_blank\"\u003eRequest a Quote\u003c\/a\u003e\u003c\/p\u003e\n\u003ch3\u003eDental Health Maintenance Organization (DHMO)\u003c\/h3\u003e\n\u003cp\u003eOften the less expensive of the two group coverage options, a DHMO limits eligible dental service providers to a predetermined network of dentists and orthodontists.\u003c\/p\u003e\n\u003cp\u003eAfter signing up for a DHMO dental plan, employees must select a primary dentist.\u003c\/p\u003e\n\u003cp\u003eThis primary dentist will perform the majority of preventive care, routine dental work and maintenance, referring in-network dentists approved by the dental insurance carrier for oral surgeries and other procedures that require a dental specialist.\u003c\/p\u003e\n\u003cp\u003eFor example, if employees need to see an oral surgeon on a DHMO plan, they would need to schedule an appointment with their primary dentist to confirm the need and refer them to an in-network service provider.\u003c\/p\u003e\n\u003cp\u003eSpecifically, employer contributions to a group health plan are considered “pre-tax” income, enabling participating businesses to offset payroll and income tax when it comes time to calculate liability.\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003e\u003cstrong\u003eDisclaimer: \u003c\/strong\u003e\u003cem\u003eThe material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.\u003c\/em\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881628618982,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"higginbotham-group-disability-insurance","title":"Higginbotham Group Disability Insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our no hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this business to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate disbursing your information far and wide. Only work with those you select. Or request a quote directly by clicking this link.\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003ca rel=\"noopener\" href=\"https:\/\/www.higginbotham.com\/lets-talk\/\" target=\"_blank\"\u003e\u003cspan\u003eLet's Talk\u003c\/span\u003e\u003c\/a\u003e\u003c\/p\u003e\n\u003ch1\u003eGroup Disability Insurance\u003c\/h1\u003e\n\u003cp class=\"intro-text\"\u003ePlan for the unexpected. Protect your employees’ peace of mind. Focus on what matters.\u003c\/p\u003e\n\u003cp\u003eIf your employees were suddenly injured or became ill and unable to work for an extended period, would they be able to cover their financial obligations?\u003c\/p\u003e\n\u003cp\u003eIf you answered no to this question, you’re not alone.\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eAccording to Money Under 30, only around \u003c\/span\u003e\u003ca href=\"https:\/\/www.moneyunder30.com\/compare-average-emergency-fund-savings\"\u003e\u003cspan\u003e23 percent of Americans\u003c\/span\u003e\u003c\/a\u003e\u003cspan\u003e have enough emergency savings to cover six months of living expenses. Adding that an estimated 25 percent of people over 20 years old will become physically challenged at some point before retirement, the \u003ca href=\"https:\/\/www.higginbotham.com\/blog\/the-importance-of-disability-insurance\/\"\u003eimportance of carrying disability insurance \u003c\/a\u003ecannot be overstated. \u003c\/span\u003e\u003c\/p\u003e\n\u003ch2\u003eWhy Higginbotham?\u003c\/h2\u003e\n\u003cp\u003e\u003cspan\u003eIf you’re an employer looking to improve your \u003ca href=\"https:\/\/www.higginbotham.com\/employee-benefits\/\"\u003eemployee benefit offerings\u003c\/a\u003e, we offer group disability insurance solutions that are more individual and less institutional. By making policies personal, we can tailor them to your specific needs and budget.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eA company that leads with values, we work hard to understand your priorities so we can proactively advocate in your best interest, getting you competitive prices today, and delivering year-round value.\u003c\/span\u003e\u003c\/p\u003e\n\u003csection data-rocket-location-hash=\"c521283478767b3b3ad4856345b5ba1e\" id=\"gutenblock-block_e449969cf253e3967c8af5c1320477f8\" class=\"gutenblock gutenblock--oms-image-text bg-color-white  text_image_layout\"\u003e\n\u003cdiv data-rocket-location-hash=\"deb58efd4d3375bde7ffbcba9a8e0953\" class=\"gutenblock-inner active\"\u003e\n\u003cdiv data-rocket-location-hash=\"b47f3e431e4d9b6a2dc59d0e3e04301a\" class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch2\u003e\u003ca href=\"https:\/\/birddawgnetwork.com\/products\/higginbotham-group-short-term-disability-insurance\"\u003eShort-Term Disability Insurance\u003c\/a\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003cspan\u003eShort-term disability is designed to help employees who are unable to work due to childbirth, illness or injury.  \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eThis coverage works by supplementing the disabled employees’ income with benefit payments. While these payments only cover a portion of the money an employee would make while working, they are usually enough to cover living expenses throughout the time an employee is out of work. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eShort-term disability benefits typically kick in somewhere between the 1\u003c\/span\u003e\u003cspan\u003est\u003c\/span\u003e\u003cspan\u003e and 30\u003c\/span\u003e\u003cspan\u003eth\u003c\/span\u003e\u003cspan\u003e day after a qualifying event. These benefits are usually paid for a total duration ranging between 90 and 180 days.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eIn most cases, group disability benefit payments are determined by an employee’s base salary or W-2 earnings.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eA typical plan follows the 14\/14 model, in which benefits begin on the 14\u003c\/span\u003e\u003cspan\u003eth\u003c\/span\u003e\u003cspan\u003e day after a qualifying event. That said, there are a multitude of options to choose from when shopping for disability insurance.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eIf you need benefits beyond what is allowed in a group disability plan, some individual \u003ca href=\"https:\/\/www.higginbotham.com\/employee-benefits\/voluntary-insurance\/voluntary-disability-insurance\/\"\u003edisability policies\u003c\/a\u003e offer flexible solutions to explore. \u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column image default\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\u003cimg decoding=\"async\" width=\"900\" height=\"600\" src=\"https:\/\/www.higginbotham.com\/wp-content\/smush-webp\/2021\/09\/Untitled-20-e1633462393782.jpg.webp\" class=\"attachment-large_square size-large_square entered lazyloaded\" alt=\"man-reconsidering-getting-accident-insurance\" data-lazy-src=\"https:\/\/www.higginbotham.com\/wp-content\/smush-webp\/2021\/09\/Untitled-20-e1633462393782.jpg.webp\" data-ll-status=\"loaded\"\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection data-rocket-location-hash=\"cc16636b94f5c7918e4d9a552f28b5d4\" id=\"gutenblock-block_dd7fa30780c94699c7a77ef5c5609263\" class=\"gutenblock gutenblock--oms-image-text bg-color-lt-gray  image_text_layout\"\u003e\n\u003cdiv data-rocket-location-hash=\"168fed275926f72b4408b1fa19c35e1c\" class=\"gutenblock-inner active\"\u003e\n\u003cdiv data-rocket-location-hash=\"45f68e9fdd85279d68bf227e16aa5792\" class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column image default\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\u003cimg decoding=\"async\" width=\"900\" height=\"600\" src=\"https:\/\/www.higginbotham.com\/wp-content\/smush-webp\/2021\/09\/Untitled-21-e1633462411814.jpg.webp\" class=\"attachment-large_square size-large_square entered lazyloaded\" alt=\"woman-on-crutches-after-accident\" data-lazy-src=\"https:\/\/www.higginbotham.com\/wp-content\/smush-webp\/2021\/09\/Untitled-21-e1633462411814.jpg.webp\" data-ll-status=\"loaded\"\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch2\u003e\u003ca href=\"https:\/\/birddawgnetwork.com\/products\/higginbotham-group-long-term-disability-insurance\"\u003eLong-Term Disability Insurance\u003c\/a\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003cspan\u003eIn the unfortunate circumstance that covered employees suffer an injury or other event resulting in an extended disability, they should become eligible for long-term disability benefits. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eFortunately for you and your employees, Higginbotham’s group disability plans typically include options for group long-term disability coverage (GLTD). \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eIn most cases, GLTD benefits are capped around 50-67 percent of an employee’s base salary up to the maximum monthly benefit defined in the policy documents. For employers interested in offering income protection beyond 67 percent, Higginbotham can help you explore options for increasing coverage limits up to 100 percent of an employee’s earnings or salary. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eAlong with disability pay, some group plans offer coverage for vocational rehabilitation programs and job placement services to help employees get back to work after recovery. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eMost GLTD coverage has between a 90 and 100 day elimination period and pay benefits up to the employee’s social security normal retirement age (SSNRA), typically between ages 65 and 67. \u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection data-rocket-location-hash=\"de2ebb5645820cfed822e72fd0e4f093\" id=\"gutenblock-block_f8e4b18311c91879d8f8a8d7af038b9a\" class=\"gutenblock gutenblock--oms-text bg-color-dk-blue  text_layout monogram-no\"\u003e\n\u003cdiv data-rocket-location-hash=\"b65549579096fa7cf928835f775f65c6\" class=\"gutenblock-inner active\"\u003e\n\u003cdiv data-rocket-location-hash=\"65ffa8de4891a35f1044c08308666447\" class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch3\u003eDo I really need DI coverage?\u003c\/h3\u003e\n\u003cp\u003eAnyone who relies on their monthly salary to maintain a comfortable standard of living for themselves or their family would be wise to consider carrying disability (DI) coverage. Even if an employee is healthy and has a considerable asset portfolio or savings, unexpectedly losing the ability to work can be financially devastating.\u003c\/p\u003e\n\u003cp\u003eWhile nobody likes to think about falling seriously ill or becoming permanently disabled, the possibility is too big to ignore. Conditions such as cancer, heart problems and stroke can come on without much warning and have a long-term impact on the ability to return to work. Combining this with the high likelihood of big medical bills and other related expenses, the importance of protecting income with insurance can be critical.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection data-rocket-location-hash=\"04e484ec2efde21383a66a275d1cb57a\" id=\"gutenblock-block_9c91e85c36ac6f9ee8640ba0ee50a51f\" class=\"gutenblock gutenblock--oms-text-sidebar bg-color-white  text_text_layout\"\u003e\n\u003cdiv data-rocket-location-hash=\"113990b52f4e2ccaa878e7b892e58e1c\" class=\"gutenblock-inner active\"\u003e\n\u003cdiv data-rocket-location-hash=\"dbae4990c2eb29c79de4dd9cfaa8c57c\" class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch3\u003eHow much does group disability insurance cost employers?\u003c\/h3\u003e\n\u003cp\u003eThough it’s difficult to quote an exact price without knowing the specifics of your operation, Higginbotham is committed to getting you the best coverage at the best price available.\u003c\/p\u003e\n\u003cp\u003eIf you’re looking for an insurance broker that can get you the right coverage for your employees at a cost that makes sense for your situation, we’re here to help.\u003c\/p\u003e\n\u003cp\u003eThough some people assume disability income protection is a luxury they cannot afford, these policies can be tailored to specific needs and budgets with relative ease.\u003c\/p\u003e\n\u003cp\u003eIf you’re an individual whose employer doesn’t offer a group or\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/birddawgnetwork.com\/products\/higginbotham-group-voluntary-disability-insurance\"\u003evoluntary plan,\u003c\/a\u003e disability coverage for individuals is usually quite affordable.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cp\u003e\u003ca href=\"https:\/\/www.higginbotham.com\/the-higginbotham-difference\/\"\u003e\u003cem\u003eLearn more about the Higginbotham difference.\u003c\/em\u003e\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eDisclaimer: The material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881629372646,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"higginbotham-group-short-term-disability-insurance","title":"Higginbotham Group Short-Term Disability Insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our no hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this business to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate disbursing your information far and wide. Only work with those you select. Or request a quote directly by clicking this link.\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003ca rel=\"noopener\" href=\"https:\/\/www.higginbotham.com\/lets-talk\/\" target=\"_blank\"\u003e\u003cspan\u003eLet's Talk\u003c\/span\u003e\u003c\/a\u003e\u003c\/p\u003e\n\u003csection data-rocket-location-hash=\"c521283478767b3b3ad4856345b5ba1e\" id=\"gutenblock-block_e449969cf253e3967c8af5c1320477f8\" class=\"gutenblock gutenblock--oms-image-text bg-color-white  text_image_layout\"\u003e\n\u003cdiv data-rocket-location-hash=\"deb58efd4d3375bde7ffbcba9a8e0953\" class=\"gutenblock-inner active\"\u003e\n\u003cdiv data-rocket-location-hash=\"b47f3e431e4d9b6a2dc59d0e3e04301a\" class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch2\u003eShort-Term Disability Insurance\u003c\/h2\u003e\n\u003cp\u003e\u003cspan\u003eShort-term disability is designed to help employees who are unable to work due to childbirth, illness or injury.  \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eThis coverage works by supplementing the disabled employees’ income with benefit payments. While these payments only cover a portion of the money an employee would make while working, they are usually enough to cover living expenses throughout the time an employee is out of work. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eShort-term disability benefits typically kick in somewhere between the 1\u003c\/span\u003e\u003cspan\u003est\u003c\/span\u003e\u003cspan\u003e and 30\u003c\/span\u003e\u003cspan\u003eth\u003c\/span\u003e\u003cspan\u003e day after a qualifying event. These benefits are usually paid for a total duration ranging between 90 and 180 days.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eIn most cases, group disability benefit payments are determined by an employee’s base salary or W-2 earnings.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eA typical plan follows the 14\/14 model, in which benefits begin on the 14\u003c\/span\u003e\u003cspan\u003eth\u003c\/span\u003e\u003cspan\u003e day after a qualifying event. That said, there are a multitude of options to choose from when shopping for disability insurance.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eIf you need benefits beyond what is allowed in a group disability plan, some individual \u003ca href=\"https:\/\/www.higginbotham.com\/employee-benefits\/voluntary-insurance\/voluntary-disability-insurance\/\"\u003edisability policies\u003c\/a\u003e offer flexible solutions to explore. \u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column image default\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\u003cimg decoding=\"async\" width=\"900\" height=\"600\" src=\"https:\/\/www.higginbotham.com\/wp-content\/smush-webp\/2021\/09\/Untitled-20-e1633462393782.jpg.webp\" class=\"attachment-large_square size-large_square entered lazyloaded\" alt=\"man-reconsidering-getting-accident-insurance\" data-lazy-src=\"https:\/\/www.higginbotham.com\/wp-content\/smush-webp\/2021\/09\/Untitled-20-e1633462393782.jpg.webp\" data-ll-status=\"loaded\"\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection data-rocket-location-hash=\"cc16636b94f5c7918e4d9a552f28b5d4\" id=\"gutenblock-block_dd7fa30780c94699c7a77ef5c5609263\" class=\"gutenblock gutenblock--oms-image-text bg-color-lt-gray  image_text_layout\"\u003e\n\u003cdiv data-rocket-location-hash=\"168fed275926f72b4408b1fa19c35e1c\" class=\"gutenblock-inner active\"\u003e\n\u003cdiv data-rocket-location-hash=\"45f68e9fdd85279d68bf227e16aa5792\" class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column image default\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\u003cimg decoding=\"async\" width=\"900\" height=\"600\" src=\"https:\/\/www.higginbotham.com\/wp-content\/smush-webp\/2021\/09\/Untitled-21-e1633462411814.jpg.webp\" class=\"attachment-large_square size-large_square entered lazyloaded\" alt=\"woman-on-crutches-after-accident\" data-lazy-src=\"https:\/\/www.higginbotham.com\/wp-content\/smush-webp\/2021\/09\/Untitled-21-e1633462411814.jpg.webp\" data-ll-status=\"loaded\"\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eDisclaimer: The material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881629864166,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"higginbotham-group-long-term-disability-insurance","title":"Higginbotham Group Long-Term Disability Insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our no hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this business to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate disbursing your information far and wide. Only work with those you select. Or request a quote directly by clicking this link.\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003ca href=\"https:\/\/www.higginbotham.com\/lets-talk\/\" rel=\"noopener\" target=\"_blank\"\u003e\u003cspan\u003eLet's Talk\u003c\/span\u003e\u003c\/a\u003e\u003c\/p\u003e\n\u003csection class=\"gutenblock gutenblock--oms-image-text bg-color-white  text_image_layout\" id=\"gutenblock-block_e449969cf253e3967c8af5c1320477f8\" data-rocket-location-hash=\"c521283478767b3b3ad4856345b5ba1e\"\u003e\n\u003cdiv class=\"gutenblock-inner active\" data-rocket-location-hash=\"deb58efd4d3375bde7ffbcba9a8e0953\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\" data-rocket-location-hash=\"b47f3e431e4d9b6a2dc59d0e3e04301a\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003csection class=\"gutenblock gutenblock--oms-image-text bg-color-lt-gray  image_text_layout\" id=\"gutenblock-block_dd7fa30780c94699c7a77ef5c5609263\" data-rocket-location-hash=\"cc16636b94f5c7918e4d9a552f28b5d4\"\u003e\n\u003cdiv class=\"gutenblock-inner active\" data-rocket-location-hash=\"168fed275926f72b4408b1fa19c35e1c\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\" data-rocket-location-hash=\"45f68e9fdd85279d68bf227e16aa5792\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch2\u003eLong-Term Disability Insurance\u003c\/h2\u003e\n\u003cp\u003e\u003cspan\u003eIn the unfortunate circumstance that covered employees suffer an injury or other event resulting in an extended disability, they should become eligible for long-term disability benefits. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eFortunately for you and your employees, Higginbotham’s group disability plans typically include options for group long-term disability coverage (GLTD). \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eIn most cases, GLTD benefits are capped around 50-67 percent of an employee’s base salary up to the maximum monthly benefit defined in the policy documents. For employers interested in offering income protection beyond 67 percent, Higginbotham can help you explore options for increasing coverage limits up to 100 percent of an employee’s earnings or salary. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eAlong with disability pay, some group plans offer coverage for vocational rehabilitation programs and job placement services to help employees get back to work after recovery. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eMost GLTD coverage has between a 90 and 100 day elimination period and pay benefits up to the employee’s social security normal retirement age (SSNRA), typically between ages 65 and 67. \u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"gutenblock gutenblock--oms-text bg-color-dk-blue  text_layout monogram-no\" id=\"gutenblock-block_f8e4b18311c91879d8f8a8d7af038b9a\" data-rocket-location-hash=\"de2ebb5645820cfed822e72fd0e4f093\"\u003e\n\u003cdiv class=\"gutenblock-inner active\" data-rocket-location-hash=\"b65549579096fa7cf928835f775f65c6\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\" data-rocket-location-hash=\"65ffa8de4891a35f1044c08308666447\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cbr\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cp\u003e\u003cspan\u003eDisclaimer: The material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881637073126,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"higginbotham-group-voluntary-disability-insurance","title":"Higginbotham Group Voluntary Disability Insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our no hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this business to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate disbursing your information far and wide. Only work with those you select. Or request a quote directly by clicking this link.\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003ca rel=\"noopener\" href=\"https:\/\/www.higginbotham.com\/lets-talk\/\" target=\"_blank\"\u003e\u003cspan\u003eLet's Talk\u003c\/span\u003e\u003c\/a\u003e\u003c\/p\u003e\n\u003cp class=\"intro-text\"\u003e\u003cspan\u003eWhen you take care of your people, they take care of your business.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eAn injury or illness will force one in five U.S. employees to miss work\u003c\/span\u003e\u003cspan\u003e and take medical leave \u003c\/span\u003e\u003cspan\u003efor at least a year before turning age 65. That’s why it may be wise to offer voluntary disability insurance. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eDesigned to help to replace a portion of your income should you or an employee fall ill or become disabled, voluntary short-term disability insurance can be a great way to give your people peace of mind \u003c\/span\u003e\u003cspan\u003ewith disability benefits.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eMorale. Retention. A commitment to their family and their future. \u003c\/span\u003e\u003cspan\u003eVoluntary \u003c\/span\u003e\u003cspan\u003eshort-term disability insurance can help show your employees that you’ve got their back.\u003c\/span\u003e\u003c\/p\u003e\n\u003ch4\u003e\u003ca href=\"https:\/\/birddawgnetwork.com\/products\/higginbotham-group-voluntary-short-term-disability-essentials-std\"\u003eVoluntary Short-Term Disability Essentials (STD)\u003c\/a\u003e\u003c\/h4\u003e\n\u003cp\u003e\u003cspan\u003eUnlike \u003c\/span\u003e\u003ca href=\"https:\/\/birddawgnetwork.com%20%E2%80%BA%20products%20%E2%80%BA%20higginbotham-group-disability-insurance\"\u003e\u003cspan\u003egroup disability\u003c\/span\u003e\u003c\/a\u003e\u003cspan\u003e\u003ca href=\"https:\/\/birddawgnetwork.com%20%E2%80%BA%20products%20%E2%80%BA%20higginbotham-group-disability-insurance\"\u003e \u003c\/a\u003ecoverage where an employer covers part of the premium cost for all eligible employees, the cost of voluntary short-term disability insurance (STD) is paid for entirely by the employees. This gives them the peace of mind that should they get sick \u003c\/span\u003e\u003cspan\u003eand need to take medical leave\u003c\/span\u003e\u003cspan\u003e, their living expenses will be covered while they’re unable to work. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eBecause health insurance doesn’t cover living expenses like rent and utilities, \u003c\/span\u003e\u003cspan\u003eVoluntary \u003c\/span\u003e\u003cspan\u003eSTD can help bridge the gap created by a serious injury or disability that affects your ability to work.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eIn many cases, \u003c\/span\u003e\u003cspan\u003eVoluntary \u003c\/span\u003e\u003cspan\u003eSTD benefits go into effect as soon as one week after you’ve left work and can help cover income for up to six months or longer for medical leave.\u003c\/span\u003e\u003c\/p\u003e\n\u003ch4\u003e\u003ca href=\"https:\/\/birddawgnetwork.com\/products\/voluntary-long-term-disability-essentials-ltd\"\u003eVoluntary Long-Term Disability Essentials (LTD)\u003c\/a\u003e\u003c\/h4\u003e\n\u003cp\u003e\u003cspan\u003eDesigned to ease the challenges faced by people who are unable to work for an extended period, voluntary long-term disability (LTD) can help replace part of an employee’s income in the aftermath of a disabling injury or sickness.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eVoluntary LTD insurance picks up where \u003c\/span\u003e\u003cspan\u003eVoluntary \u003c\/span\u003e\u003cspan\u003eSTD leaves off, going into effect after employees have been out of work for 90 days, 180 days or more and helping replace income until they reach the age of 65 or Social Security Normal Retirement Age (SSNRA).\u003c\/span\u003e\u003c\/p\u003e\n\u003csection data-rocket-location-hash=\"c521283478767b3b3ad4856345b5ba1e\" id=\"gutenblock-block_e449969cf253e3967c8af5c1320477f8\" class=\"gutenblock gutenblock--oms-image-text bg-color-white  text_image_layout\"\u003e\n\u003cdiv data-rocket-location-hash=\"deb58efd4d3375bde7ffbcba9a8e0953\" class=\"gutenblock-inner active\"\u003e\n\u003cdiv data-rocket-location-hash=\"b47f3e431e4d9b6a2dc59d0e3e04301a\" class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003csection data-rocket-location-hash=\"cc16636b94f5c7918e4d9a552f28b5d4\" id=\"gutenblock-block_dd7fa30780c94699c7a77ef5c5609263\" class=\"gutenblock gutenblock--oms-image-text bg-color-lt-gray  image_text_layout\"\u003e\n\u003cdiv data-rocket-location-hash=\"168fed275926f72b4408b1fa19c35e1c\" class=\"gutenblock-inner active\"\u003e\n\u003cdiv data-rocket-location-hash=\"45f68e9fdd85279d68bf227e16aa5792\" class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003e\u003cstrong\u003eDisclaimer\u003c\/strong\u003e: \u003cem\u003eThe material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.\u003c\/em\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection data-rocket-location-hash=\"de2ebb5645820cfed822e72fd0e4f093\" id=\"gutenblock-block_f8e4b18311c91879d8f8a8d7af038b9a\" class=\"gutenblock gutenblock--oms-text bg-color-dk-blue  text_layout monogram-no\"\u003e\n\u003cdiv data-rocket-location-hash=\"b65549579096fa7cf928835f775f65c6\" class=\"gutenblock-inner active\"\u003e\n\u003cdiv data-rocket-location-hash=\"65ffa8de4891a35f1044c08308666447\" class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cbr\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881638351078,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"higginbotham-group-voluntary-short-term-disability-essentials-std","title":"Higginbotham Group Voluntary Short-Term Disability Essentials (STD)","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our no hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this product to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate disbursing your information far and wide. Only work with those you select. Or request a quote directly by clicking this link.\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003ca rel=\"noopener\" href=\"https:\/\/www.higginbotham.com\/lets-talk\/\" target=\"_blank\"\u003e\u003cspan\u003eLet's Talk\u003c\/span\u003e\u003c\/a\u003e\u003c\/p\u003e\n\u003ch4\u003eVoluntary Short-Term Disability Essentials (STD)\u003c\/h4\u003e\n\u003cp\u003e\u003cspan\u003eUnlike \u003c\/span\u003e\u003ca href=\"https:\/\/birddawgnetwork.com%20%E2%80%BA%20products%20%E2%80%BA%20higginbotham-group-disability-insurance\"\u003e\u003cspan\u003egroup disability\u003c\/span\u003e\u003c\/a\u003e\u003cspan\u003e coverage where an employer covers part of the premium cost for all eligible employees, the cost of voluntary short-term disability insurance (STD) is paid for entirely by the employees. This gives them the peace of mind that should they get sick \u003c\/span\u003e\u003cspan\u003eand need to take medical leave\u003c\/span\u003e\u003cspan\u003e, their living expenses will be covered while they’re unable to work. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eBecause health insurance doesn’t cover living expenses like rent and utilities, \u003c\/span\u003e\u003cspan\u003eVoluntary \u003c\/span\u003e\u003cspan\u003eSTD can help bridge the gap created by a serious injury or disability that affects your ability to work.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eIn many cases, \u003c\/span\u003e\u003cspan\u003eVoluntary \u003c\/span\u003e\u003cspan\u003eSTD benefits go into effect as soon as one week after you’ve left work and can help cover income for up to six months or longer for medical leave.\u003c\/span\u003e\u003c\/p\u003e\n\u003csection data-wpr-lazyrender=\"1\" id=\"gutenblock-block_43c12ed78184d04dc9b83b3da24b3e0d\" class=\"gutenblock gutenblock--oms-text bg-color-lt-gray  text_layout monogram-no\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003ch2\u003eWhich conditions qualify for short-term disability benefits?\u003c\/h2\u003e\n\u003cp\u003e\u003cspan\u003eTo be eligible for short-term disability benefit payments after suffering an injury or sickness, an employee needs to have current coverage in force, meet the exclusion limit for pre-existing health conditions, meet time-off work requirements and satisfy the short-term disability definition outlined in the policy documents.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eThe employee should then be eligible for \u003c\/span\u003e\u003cspan\u003evoluntary short-term disability\u003c\/span\u003e\u003cspan\u003e benefit payments to help cover expenses throughout recovery.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eIn many cases, conditions like debilitating stress and work-induced anxiety are also eligible for \u003c\/span\u003e\u003cspan\u003edisability \u003c\/span\u003e\u003cspan\u003ecoverage. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eHowever, \u003c\/span\u003e\u003cspan\u003edisability \u003c\/span\u003e\u003cspan\u003ecoverage for most, if not all symptoms and ailments require a specific diagnosis from a doctor confirming that the condition prevents the employee from working.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection data-wpr-lazyrender=\"1\" id=\"gutenblock-block_da2d42f4bef6046f230535c14a5b9ed9\" class=\"gutenblock gutenblock--oms-columns bg-color-white card_column_style default_image  num_columns_5\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row header_row\"\u003e\n\u003cdiv class=\"header_column\"\u003e\n\u003ch3\u003e\n\u003ca id=\"st-conditions\"\u003e\u003c\/a\u003eQualifying Conditions for Short-Term Disability Benefits\u003c\/h3\u003e\n\u003cp\u003eSome qualifying conditions typically eligible for short-term disability benefit payments include:\u003c\/p\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eCarpal Tunnel Syndrome\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eDigestive System Issues\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eRecovery from Surgery\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eMaternity Leave\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eExtended Illness\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eJoint Disorders\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eHerniated Disk\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eRunner’s Knee\u003c\/h4\u003e\n\u003ch4\u003e\u003cbr\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eTennis Elbow\u003c\/h4\u003e\n\u003ch4\u003e\u003cbr\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eBroken Bone\u003c\/h4\u003e\n\u003ch4\u003e\u003cbr\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eTendonitis\u003c\/h4\u003e\n\u003ch4\u003e\u003cbr\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eWhiplash\u003c\/h4\u003e\n\u003ch4\u003e\u003cbr\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eCancer\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection data-rocket-location-hash=\"c521283478767b3b3ad4856345b5ba1e\" id=\"gutenblock-block_e449969cf253e3967c8af5c1320477f8\" class=\"gutenblock gutenblock--oms-image-text bg-color-white  text_image_layout\"\u003e\n\u003cdiv data-rocket-location-hash=\"deb58efd4d3375bde7ffbcba9a8e0953\" class=\"gutenblock-inner active\"\u003e\n\u003cdiv data-rocket-location-hash=\"b47f3e431e4d9b6a2dc59d0e3e04301a\" class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003csection data-rocket-location-hash=\"cc16636b94f5c7918e4d9a552f28b5d4\" id=\"gutenblock-block_dd7fa30780c94699c7a77ef5c5609263\" class=\"gutenblock gutenblock--oms-image-text bg-color-lt-gray  image_text_layout\"\u003e\n\u003cdiv data-rocket-location-hash=\"168fed275926f72b4408b1fa19c35e1c\" class=\"gutenblock-inner active\"\u003e\n\u003cdiv data-rocket-location-hash=\"45f68e9fdd85279d68bf227e16aa5792\" class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cp\u003e\u003cspan\u003e\u003cstrong\u003eDisclaimer:\u003c\/strong\u003e \u003cem\u003eThe material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.\u003c\/em\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection data-rocket-location-hash=\"de2ebb5645820cfed822e72fd0e4f093\" id=\"gutenblock-block_f8e4b18311c91879d8f8a8d7af038b9a\" class=\"gutenblock gutenblock--oms-text bg-color-dk-blue  text_layout monogram-no\"\u003e\n\u003cdiv data-rocket-location-hash=\"b65549579096fa7cf928835f775f65c6\" class=\"gutenblock-inner active\"\u003e\n\u003cdiv data-rocket-location-hash=\"65ffa8de4891a35f1044c08308666447\" class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cbr\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881642676454,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"voluntary-long-term-disability-essentials-ltd","title":"Higginbotham Group Voluntary Long-Term Disability Essentials (LTD)","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eBird Dawg Network field guide shopping solution makes your whole experience easier. At no cost to you! Our no hassle process was designed to minimize your stress. \u003c\/span\u003e\u003c\/h2\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cspan\u003eAdd this product to your bundle. Finish your checkout procedure and schedule your appointment to use this item. It's just that simple. Eliminate disbursing your information far and wide. Only work with those you select. Or request a quote directly by clicking this link.\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003ca href=\"https:\/\/www.higginbotham.com\/lets-talk\/\" rel=\"noopener\" target=\"_blank\"\u003e\u003cspan\u003eLet's Talk\u003c\/span\u003e\u003c\/a\u003e\u003c\/p\u003e\n\u003ch4\u003eVoluntary Long-Term Disability Essentials (LTD)\u003c\/h4\u003e\n\u003cp\u003e\u003cspan\u003eDesigned to ease the challenges faced by people who are unable to work for an extended period, voluntary long-term disability (LTD) can help replace part of an employee’s income in the aftermath of a disabling injury or sickness.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eVoluntary LTD insurance picks up where \u003c\/span\u003e\u003cspan\u003eVoluntary \u003c\/span\u003e\u003cspan\u003eSTD leaves off, going into effect after employees have been out of work for 90 days, 180 days or more and helping replace income until they reach the age of 65 or Social Security Normal Retirement Age (SSNRA).\u003c\/span\u003e\u003c\/p\u003e\n\u003csection class=\"gutenblock gutenblock--oms-columns bg-color-white card_column_style default_image  num_columns_5\" id=\"gutenblock-block_b86190fe1e4e628615c26349c45958b7\" data-wpr-lazyrender=\"1\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row header_row\"\u003e\n\u003cdiv class=\"header_column\"\u003e\n\u003ch3\u003eQualifying Conditions for\u003cspan\u003e \u003c\/span\u003e\u003cb\u003eVoluntary\u003cspan\u003e \u003c\/span\u003e\u003c\/b\u003eLong-Term Disability Benefits\u003c\/h3\u003e\n\u003cp\u003eSome conditions that can be eligible for short-term disability claims include:\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eChronic Obstructive Pulmonary Disease (COPD)\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eRSD\/Complex Regional Pain Syndrome\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eCarpal Tunnel Syndrome\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003ePeripheral Neuropathy\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eBack Pain\/Disorders\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eSjogren’s Syndrome\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eParkinson’s disease\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eMeniere’s Disease\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eEpstein-Barr Virus\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eOsteoarthritis\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eEye Disorders\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eHeart Disease\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eAtaxia\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eCancer\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eLupus\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003ePost-Traumatic Stress Disorder (PTSD)\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eMultiple Sclerosis (MS)\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eVestibular Dysfunction\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eMacular Degeneration\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eCerebral Atrophy\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eBipolar Disorder\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eCrohn’s Disease\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eLoss of Hearing\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eKnee Disorders\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eDepression\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eHIV\/AIDS\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eHepatitis\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eInsomnia\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eDiabetes\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eEpilepsy\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eStroke\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eIrritable Bowel Syndrome (IBS)\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eChronic Fatigue Syndrome\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eNon-Epileptic Seizures\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eHeadaches\/Migraines\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eRheumatoid Arthritis\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eTrigeminal Neuralgia\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eSpeech disorders\u003c\/h4\u003e\n\u003ch4\u003e\u003cbr\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eHerniated Disc(s)\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eKidney Disease\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eNeck Disorders\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eSpinal Stenosis\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eBrain Injuries\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eLyme Disease\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eLung Disease\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eFibromyalgia\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"column has_text\"\u003e\n\u003cdiv class=\"column_inner active\"\u003e\n\u003cdiv class=\"text_container\"\u003e\n\u003ch4\u003eChronic Pain\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"gutenblock gutenblock--oms-text bg-color-white  text_layout monogram-no\" id=\"gutenblock-block_df18cc8fab2e55aa8167accf76181d1f\" data-wpr-lazyrender=\"1\"\u003e\n\u003cdiv class=\"gutenblock-inner active\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cp\u003e\u003cem\u003e\u003cspan\u003ePre-existing conditions are usually not eligible for a claim if the condition causes the disability during the pre-existing conditions exclusion period. Even if an employee has one of or more of the conditions on this list, certain other stipulations must be met to qualify for LTD benefits. \u003c\/span\u003e\u003c\/em\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"gutenblock gutenblock--oms-image-text bg-color-white  text_image_layout\" id=\"gutenblock-block_e449969cf253e3967c8af5c1320477f8\" data-rocket-location-hash=\"c521283478767b3b3ad4856345b5ba1e\"\u003e\n\u003cdiv class=\"gutenblock-inner active\" data-rocket-location-hash=\"deb58efd4d3375bde7ffbcba9a8e0953\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\" data-rocket-location-hash=\"b47f3e431e4d9b6a2dc59d0e3e04301a\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003csection class=\"gutenblock gutenblock--oms-image-text bg-color-lt-gray  image_text_layout\" id=\"gutenblock-block_dd7fa30780c94699c7a77ef5c5609263\" data-rocket-location-hash=\"cc16636b94f5c7918e4d9a552f28b5d4\"\u003e\n\u003cdiv class=\"gutenblock-inner active\" data-rocket-location-hash=\"168fed275926f72b4408b1fa19c35e1c\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\" data-rocket-location-hash=\"45f68e9fdd85279d68bf227e16aa5792\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\n\u003cdiv class=\"column_inner\"\u003e\n\u003cp\u003e\u003cspan\u003e\u003cstrong\u003eDisclaimer:\u003c\/strong\u003e \u003cem\u003eThe material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.\u003c\/em\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"gutenblock gutenblock--oms-text bg-color-dk-blue  text_layout monogram-no\" id=\"gutenblock-block_f8e4b18311c91879d8f8a8d7af038b9a\" data-rocket-location-hash=\"de2ebb5645820cfed822e72fd0e4f093\"\u003e\n\u003cdiv class=\"gutenblock-inner active\" data-rocket-location-hash=\"b65549579096fa7cf928835f775f65c6\"\u003e\n\u003cdiv class=\"container-fluid outer-padding\" data-rocket-location-hash=\"65ffa8de4891a35f1044c08308666447\"\u003e\n\u003cdiv class=\"row\"\u003e\n\u003cdiv class=\"column text\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cbr\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Higginbotham","offers":[{"title":"Default Title","offer_id":46881644413158,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/logo-higginbotham-white.svg?v=1763561834"},{"product_id":"mcmann-smoot-riddle-business-insurance","title":"McMann Smoot Riddle Business Insurance","description":"\u003cdiv class=\"About-description\"\u003e\n\u003cdiv class=\"c-description show-full-description\"\u003e\n\u003cdiv class=\"c-description-full\"\u003e\n\u003cdiv itemprop=\"description\" class=\"c-description-text\"\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eAdd this product to your bundle to unlock personalized support during your purchase. Simply complete your checkout and you’ll be able to speak directly with a Bird Dawg Network representative to finalize your deal. It’s that simple.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or contact this provider directly to \u003ca rel=\"noopener\" href=\"https:\/\/www.msrins.com\/request-a-quote\" target=\"_blank\"\u003e\u003cstrong\u003erequest a quote\u003c\/strong\u003e\u003c\/a\u003e and compare options on your terms.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches.\u003c\/h3\u003e\n\u003cdiv class=\"About-info l-col-default\"\u003e\n\u003csection data-block-level-container=\"ClassicSection\" class=\"Oqnisf comp-m5l5zcz41 wixui-section\" id=\"comp-m5l5zcz41\" tabindex=\"-1\"\u003e\n\u003cdiv class=\"\" data-testid=\"inline-content\" data-mesh-id=\"comp-m5l5zcz41inlineContent\"\u003e\n\u003cdiv data-testid=\"mesh-container-content\" data-mesh-id=\"comp-m5l5zcz41inlineContent-gridContainer\"\u003e\n\u003csection class=\"comp-igqaaw2x CohWsy wixui-column-strip\" id=\"comp-igqaaw2x\"\u003e\n\u003cdiv class=\"V5AUxf\" data-testid=\"columns\"\u003e\n\u003cdiv class=\"mediaiskg80sr7 YzqVVZ wixui-column-strip__column\" id=\"mediaiskg80sr7\"\u003e\n\u003cdiv class=\"\" data-testid=\"inline-content\" data-mesh-id=\"mediaiskg80sr7inlineContent\"\u003e\n\u003cdiv data-testid=\"mesh-container-content\" data-mesh-id=\"mediaiskg80sr7inlineContent-gridContainer\"\u003e\n\u003cdiv data-motion-enter=\"done\" data-testid=\"richTextElement\" class=\"Z_l5lU MMl86N zQ9jDz qvSjx3 Vq6kJx comp-igqaaw30 wixui-rich-text\" id=\"comp-igqaaw30\"\u003e\n\u003cdiv data-testid=\"richTextElement\" class=\"Z_l5lU MMl86N zQ9jDz qvSjx3 Vq6kJx comp-jt64l0gf wixui-rich-text\" id=\"comp-jt64l0gf\"\u003e\n\u003csection data-block-level-container=\"ClassicSection\" class=\"Oqnisf comp-m5nz6m2x wixui-section\" id=\"comp-m5nz6m2x\" tabindex=\"-1\"\u003e\n\u003cdiv class=\"\" data-testid=\"inline-content\" data-mesh-id=\"comp-m5nz6m2xinlineContent\"\u003e\n\u003cdiv data-testid=\"mesh-container-content\" data-mesh-id=\"comp-m5nz6m2xinlineContent-gridContainer\"\u003e\n\u003cdiv data-testid=\"richTextElement\" class=\"Z_l5lU MMl86N zQ9jDz qvSjx3 Vq6kJx comp-jt64xqqd wixui-rich-text\" id=\"comp-jt64xqqd\"\u003e\n\u003cdiv id=\"comp-jt67tma4\" class=\"Z_l5lU MMl86N zQ9jDz qvSjx3 Vq6kJx comp-jt67tma4 wixui-rich-text\" data-testid=\"richTextElement\"\u003e\n\u003csection data-block-level-container=\"ClassicSection\" class=\"Oqnisf comp-m5nz7cwx wixui-section\" id=\"comp-m5nz7cwx\" tabindex=\"-1\"\u003e\n\u003cdiv class=\"\" data-testid=\"inline-content\" data-mesh-id=\"comp-m5nz7cwxinlineContent\"\u003e\n\u003cdiv data-testid=\"mesh-container-content\" data-mesh-id=\"comp-m5nz7cwxinlineContent-gridContainer\"\u003e\n\u003cdiv data-testid=\"richTextElement\" class=\"Z_l5lU MMl86N zQ9jDz qvSjx3 Vq6kJx comp-jt64r1ok wixui-rich-text\" id=\"comp-jt64r1ok\"\u003e\n\u003ch1 class=\"font_0 wixui-rich-text__text\"\u003eBUSINESS INSURANCE SOLUTIONS\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"comp-jt64r1ot wR1eGX wixui-horizontal-line\" id=\"comp-jt64r1ot\"\u003e\n\u003cdiv class=\"G0NIUK\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv data-testid=\"richTextElement\" class=\"Z_l5lU MMl86N zQ9jDz qvSjx3 Vq6kJx comp-jt64r1p1 wixui-rich-text\" id=\"comp-jt64r1p1\"\u003e\n\u003ch5 class=\"font_5 wixui-rich-text__text\"\u003e\u003cspan class=\"wixui-rich-text__text\"\u003eWe offer comprehensive business insurance to customers in Springfield and the Miami Valley area.\u003c\/span\u003e\u003c\/h5\u003e\n\u003c\/div\u003e\n\u003cdiv data-testid=\"richTextElement\" class=\"Z_l5lU MMl86N zQ9jDz qvSjx3 Vq6kJx comp-jt64r1pb wixui-rich-text\" id=\"comp-jt64r1pb\"\u003e\n\u003ch6 class=\"font_6 wixui-rich-text__text\"\u003e\u003cspan class=\"wixui-rich-text__text\"\u003eAll businesses face risk and potential risk, which is why all business owners must purchase business insurance. We can help you make the right decisions when it comes to your business insurance policy.\u003c\/span\u003e\u003c\/h6\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003e \u003c\/p\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eAll businesses face risk and potential risk, which is why all business owners must purchase business insurance. Some small business owners question the need for purchasing business insurance, as they feel they do not generate enough revenue and you “can’t squeeze blood from a turnip.” Others believe  their business’ corporate format serves as a protection from liability, and thus purchasing business insurance is unnecessary. Both assumptions are false.\u003c\/p\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003e \u003c\/p\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eIf a small business owner is sued and a money judgment is rendered against them, their assets, bank accounts, and equipment can be seized, and their wages can be garnished. Laws in all 50 states allow the corporate veil of protection to be removed, leaving the owner vulnerable to personal liability. This is just the tip of the iceberg when considering the wide range of situations warranting protection, from on-the-job injuries to providing employee health insurance in order to remain competitive. Therefore, the importance of obtaining business insurance cannot be stressed enough.\u003c\/p\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003e \u003c\/p\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eBusiness insurance is a broad term that covers a range of different types of insurance policies, including:\u003c\/p\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003e \u003c\/p\u003e\n\u003cul class=\"font_7 wixui-rich-text__text\"\u003e\n\u003cli class=\"wixui-rich-text__text\"\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eProperty Insurance\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"wixui-rich-text__text\"\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eCasualty Insurance\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"wixui-rich-text__text\"\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eLiability Insurance\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"wixui-rich-text__text\"\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eCommercial Auto\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"wixui-rich-text__text\"\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eBusiness Interruption\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"wixui-rich-text__text\"\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eLife and Disability Insurance\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"wixui-rich-text__text\"\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eScripted Policies\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003e \u003c\/p\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eBecause all businesses are unique, each one requires a custom business insurance plan. The owner will need to analyze their business and weigh the risks their business faces before approaching an insurance company. Such preparation will include:\u003c\/p\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003e \u003c\/p\u003e\n\u003cul class=\"font_7 wixui-rich-text__text\"\u003e\n\u003cli class=\"wixui-rich-text__text\"\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eA business insurance budget\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"wixui-rich-text__text\"\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eA business description\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"wixui-rich-text__text\"\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eA disaster plan\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"wixui-rich-text__text\"\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eA checklist of documents and information needed to purchase insurance\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003e \u003c\/p\u003e\n\u003cp class=\"font_7 wixui-rich-text__text\"\u003eInsurance is one of the highest expenses for businesses. Fortunately, it is possible to control these expenses – even reduce them – if the business owner uses due diligence in planning effectively, researching his or her options, and making health and safety a priority at their workplace.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection data-block-level-container=\"ClassicSection\" class=\"Oqnisf comp-m5nz7cwx1 wixui-section\" id=\"comp-m5nz7cwx1\" tabindex=\"-1\"\u003e\n\u003cdiv class=\"MW5IWV\" data-motion-part=\"BG_LAYER comp-m5nz7cwx1\" data-hook=\"bgLayers\" id=\"bgLayers_comp-m5nz7cwx1\"\u003e\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection data-block-level-container=\"ClassicSection\" class=\"Oqnisf comp-m5nz6m2x1 wixui-section\" id=\"comp-m5nz6m2x1\" tabindex=\"-1\"\u003e\n\u003cdiv class=\"MW5IWV\" data-motion-part=\"BG_LAYER comp-m5nz6m2x1\" data-hook=\"bgLayers\" id=\"bgLayers_comp-m5nz6m2x1\"\u003e\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003ch1 class=\"font_0 wixui-rich-text__text\"\u003e\n\u003cspan style=\"font-size: 0.875rem;\"\u003ecall us \u003c\/span\u003e\u003ca style=\"font-size: 0.875rem;\" data-ved=\"2ahUKEwjb8sqc9ICRAxVkEDQIHYL8KowQkAgoAHoECCYQAg\" href=\"https:\/\/www.google.com\/search?q=mcmann+smoot+riddle\u0026amp;sca_esv=f46f8e3b711902b9\u0026amp;rlz=1C1GCEA_enUS1051US1051\u0026amp;sxsrf=AE3TifOVjhxj3-blKEbf4gh3rLEkkm4aEQ%3A1763647407242\u0026amp;ei=rx8faejFDuOPp84Pu6GGsQ0\u0026amp;gs_ssp=eJzj4tZP1zcsSUupysouN2C0UjGosLAwTjNNskxONDNNSTYwt7QyqDC3TDW0NDNISjVJTTQwSvESzk3OTczLUyjOzc8vUSjKTEnJSQUAETcWgQ\u0026amp;oq=mcmann+smoot+\u0026amp;gs_lp=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\u0026amp;sclient=gws-wiz-serp#\" data-local-attribute=\"d3ph\" data-dtype=\"d3ph\"\u003e\u003cspan aria-label=\"Call Phone Number (937) 325-7048\"\u003e(937) 325-7048\u003c\/span\u003e\u003c\/a\u003e\n\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"McMann Smoot Riddle Insurance","offers":[{"title":"Default Title","offer_id":46883831316710,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/MSR-LOGO_crop.avif?v=1763648299"},{"product_id":"ley-rental-property-insurance","title":"Ley Rental Property Insurance","description":"\u003cdiv class=\"About-description\"\u003e\n\u003cdiv class=\"c-description show-full-description\"\u003e\n\u003cdiv class=\"c-description-full\"\u003e\n\u003cdiv itemprop=\"description\" class=\"c-description-text\"\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eAdd this product to your bundle to unlock personalized support during your purchase. Simply complete your checkout and you’ll be able to speak directly with a Bird Dawg Network representative to finalize your deal. It’s that simple.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or contact this provider directly to \u003ca href=\"https:\/\/www.leyinsurance.com\/about-our-agency\/#request-quote\" rel=\"noopener\" target=\"_blank\"\u003e\u003cstrong\u003erequest a quote\u003c\/strong\u003e\u003c\/a\u003e and compare options on your terms.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches.\u003c\/h3\u003e\n\u003cdiv class=\"wpb_row vc_row-fluid vc_row inner_row  top_padding_tablet_4pct top_padding_phone_5pct\" data-column-margin=\"default\" data-midnight=\"\" id=\"fws_69233cc58542a\"\u003e\n\u003cdiv class=\"row-bg-wrap\"\u003e\n\u003cdiv class=\"row-bg\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"row_col_wrap_12_inner col span_12  left\"\u003e\n\u003cdiv data-delay=\"0\" data-animation=\"\" data-bg-opacity=\"1\" data-bg-color=\"\" data-has-bg-color=\"false\" data-padding-pos=\"all\" class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"\u003e\n\u003cdiv class=\"vc_column-inner\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003cdiv class=\"wpb_text_column wpb_content_element wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown animated wpb_start_animation\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003cdiv class=\"wpb_text_column wpb_content_element\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003cdiv class=\"wpb_text_column wpb_content_element\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003cdiv class=\"wpb_text_column wpb_content_element\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003cdiv class=\"wpb_text_column wpb_content_element\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003cdiv class=\"wpb_text_column wpb_content_element\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003cdiv class=\"wpb_text_column wpb_content_element\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003ch2\u003eWhen you rent your property to others, there are many risks that may be covered by rental property insurance.\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"wpb_row vc_row-fluid vc_row inner_row\" data-column-margin=\"default\" data-midnight=\"\" id=\"read-more\"\u003e\n\u003cdiv class=\"row-bg-wrap\"\u003e\n\u003cdiv class=\"row-bg\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"row_col_wrap_12_inner col span_12  left\"\u003e\n\u003cdiv data-delay=\"0\" data-animation=\"\" data-bg-opacity=\"1\" data-bg-color=\"\" data-has-bg-color=\"false\" data-padding-pos=\"all\" class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"\u003e\n\u003cdiv class=\"vc_column-inner\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003cdiv data-alignment=\"default\" class=\"divider-wrap\"\u003e\n\u003cdiv class=\"divider-small-border completed\" data-color=\"accent-color\" data-animation-delay=\"\" data-animate=\"yes\" data-width=\"75px\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"wpb_text_column wpb_content_element\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003ch3\u003eThe policy every property owner needs when renting.\u003c\/h3\u003e\n\u003cp\u003eRental property insurance is a specialty home insurance policy for the property owner rather than the tenant. It’s similar to a home insurance policy but is designed to account for the differing risks that you face when you rent out a property rather than living in it yourself.\u003c\/p\u003e\n\u003ch3\u003eWhat does rental property insurance cover?\u003c\/h3\u003e\n\u003cp\u003eIn addition to the damage to the building itself and your personal property (such as included furniture), a rental property policy may cover lost income if damages to the property prevent you from renting it out for a period of time. The policy may also often include coverage for liability issues you might face if a tenant sues over injuries suffered while on the property.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"wpb_row vc_row-fluid vc_row inner_row\" data-column-margin=\"default\" data-midnight=\"\" id=\"fws_6924be73de898\"\u003e\n\u003cdiv class=\"row-bg-wrap\"\u003e\n\u003cdiv class=\"row-bg\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"row_col_wrap_12_inner col span_12  left\"\u003e\n\u003cdiv data-delay=\"0\" data-animation=\"\" data-bg-opacity=\"1\" data-bg-color=\"\" data-has-bg-color=\"false\" data-padding-pos=\"all\" class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"\u003e\n\u003cdiv class=\"vc_column-inner\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003cdiv data-alignment=\"default\" class=\"divider-wrap\"\u003e\n\u003cdiv class=\"divider-small-border completed\" data-color=\"accent-color\" data-animation-delay=\"\" data-animate=\"yes\" data-width=\"75px\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"wpb_text_column wpb_content_element\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003cp class=\"h5\"\u003e\u003ci class=\"icon-default-style iconsmind-Close-Window accent-color\"\u003e\u003c\/i\u003e\u003cspan\u003e \u003c\/span\u003e  What’s not covered by a rental property policy?\u003c\/p\u003e\n\u003cp\u003eOne point to watch is the fact that policies usually don’t cover loss of income if a tenant fails to make rent payments or the costs of evicting a tenant if necessary.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv data-alignment=\"default\" class=\"divider-wrap\"\u003e\n\u003cdiv class=\"divider\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"wpb_text_column wpb_content_element\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003cp class=\"h5\"\u003e\u003ci class=\"icon-default-style iconsmind-Check-2 accent-color\"\u003e\u003c\/i\u003e\u003cspan\u003e \u003c\/span\u003e  Can you insure short-term and long-term rentals?\u003c\/p\u003e\n\u003cp\u003eWhether you are renting out your home for a short period of time or for months or more at a time, you’ll need to have different coverage for your property.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"wpb_row vc_row-fluid vc_row inner_row\" data-column-margin=\"default\" data-midnight=\"\" id=\"fws_6924be73df1a7\"\u003e\n\u003cdiv class=\"row-bg-wrap\"\u003e\n\u003cdiv class=\"row-bg\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"row_col_wrap_12_inner col span_12  left\"\u003e\n\u003cdiv data-delay=\"0\" data-animation=\"\" data-bg-opacity=\"1\" data-bg-color=\"\" data-has-bg-color=\"false\" data-padding-pos=\"all\" class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"\u003e\n\u003cdiv class=\"vc_column-inner\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003cdiv data-alignment=\"default\" class=\"divider-wrap\"\u003e\n\u003cdiv class=\"divider-small-border completed\" data-color=\"accent-color\" data-animation-delay=\"\" data-animate=\"yes\" data-width=\"75px\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"wpb_text_column wpb_content_element\"\u003e\n\u003cdiv class=\"wpb_wrapper\"\u003e\n\u003ch3\u003eHelps cover the risks involved with renting out a property.\u003c\/h3\u003e\n\u003cp\u003eWhen you rent out your property, there are always going to be risks that are unexpected. That’s why rental property insurance is key. Other covered risks may include any costs you have to pay to move a tenant in or out of the property during repairs and any compensation you have to pay to a tenant if damage puts heating or air conditioning out of action.\u003c\/p\u003e\n\u003cp\u003eIf you have any questions about rental property insurance, contact us to learn more.\u003c\/p\u003e\n\u003cp\u003ecall us: \u003cspan\u003e \u003c\/span\u003e\u003ca data-protection-id=\"e150979550\" href=\"tel:419-222-2454\"\u003e419-222-2454\u003c\/a\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"Ley Insurance Agency","offers":[{"title":"Default Title","offer_id":46895272952038,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/unnamed_1c9a88f0-cf7f-4190-9bd3-27c9ab4a1dd6.jpg?v=1763913280"},{"product_id":"highstreet-insurance-workers-compensation-insurance","title":"HighStreet Insurance Workers’ Compensation Insurance","description":"\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003ch1 class=\"doctor-dom\"\u003eWorkers’ Compensation Insurance\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\n\u003cp class=\"text-body-md mt-lg text-text-body\"\u003e\u003cspan\u003eKeep your team and your bottom line safe from the cost of workplace injuries. We’ll make sure you’re compliant with regulations and help you treat your employees right.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\n\u003ch2 class=\"text-headline-2 mb-sm\"\u003eGet your people the care they need.\u003c\/h2\u003e\n\u003cp class=\"text-body-md mb-fixed-2xl\"\u003eEvery state has different rules for workers’ compensation. Your local agent can help you protect your employees and your business when injuries or illnesses occur on the job.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and a representative will contact you to take you to the final step of your buying process.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca href=\"https:\/\/www.myhighstreet.com\/contact\" aria-label=\"Talk to an advisor\" rel=\"noopener noreferrer\" class=\"inline-flex items-center justify-between leading-button--line-height text-button cursor-pointer transition-colors duration-250 linear whitespace-nowrap pl-fixed-2xl py-fixed-sm pr-fixed-sm rounded-round gap-x-fixed-2xl xl:w-auto w-full focus-visible:outline-(length:--border-m) focus-visible:outline-offset-1 yellow:bg-lotus yellow:text-true-black yellow:pl-fixed-2xl yellow:py-fixed-sm yellow:pr-fixed-sm yellow:rounded-round yellow:gap-x-fixed-2xl yellow:w-full yellow:xl:w-auto yellow:hover:bg-true-black yellow:hover:text-true-white yellow:focus-visible:bg-true-black yellow:focus-visible:text-true-white yellow:focus-visible:outline-state-focus yellow:focus-visible:outline-(length:--border-m) yellow:focus-visible:outline-offset-1 theme-partner:bg-true-white theme-partner:hover:bg-lotus theme-partner:hover:text-true-black theme-partner:focus-visible:bg-lotus theme-partner:focus-visible:text-true-black black:bg-true-black black:text-true-white black:pl-fixed-2xl black:py-fixed-sm black:pr-fixed-sm black:rounded-round black:gap-x-fixed-2xl black:xl:w-auto black:w-full black:hover:bg-lotus black:hover:text-true-black black:focus-visible:bg-lotus black:focus-visible:text-true-black black:focus-visible:outline-state-focus black:focus-visible:outline-(length:--border-m) white:bg-true-white white:text-true-black white:pl-fixed-2xl white:py-fixed-sm white:pr-fixed-sm white:rounded-round white:gap-x-fixed-2xl white:xl:w-auto white:w-full white:hover:bg-lotus white:hover:text-true-black white:focus-visible:bg-lotus white:focus-visible:text-true-black white:focus-visible:outline-state-focus white:focus-visible:outline-(length:--border-m) yellow\" target=\"_self\"\u003eTalk to an advisor\u003c\/a\u003e and schedule a visit.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcaf21dda28980fbe\/68f1377f840c54c092ae832a\/cross.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcaf21dda28980fbe\/68f1377f840c54c092ae832a\/cross.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcaf21dda28980fbe\/68f1377f840c54c092ae832a\/cross.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eSlip or fall injuries\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eFalls on wet floors or uneven surfaces can cause serious injuries that lead to hospital stays and lost work time.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt01bfb0938718d6f8\/69025db2ff80c5c3aaf2d880\/biceps-flexed.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt01bfb0938718d6f8\/69025db2ff80c5c3aaf2d880\/biceps-flexed.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt01bfb0938718d6f8\/69025db2ff80c5c3aaf2d880\/biceps-flexed.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eRepetitive strain\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eTasks done repeatedly without rest can cause lasting muscle or joint damage over time.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt76eb21ea0bb223a8\/68f139d4b39c069a4eeb5eca\/wrench.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt76eb21ea0bb223a8\/68f139d4b39c069a4eeb5eca\/wrench.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt76eb21ea0bb223a8\/68f139d4b39c069a4eeb5eca\/wrench.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eEquipment accidents\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eMalfunction or misuse of heavy machinery and tools can cause severe injury or permanent disability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltabc3ae1ec7d6218c\/68f1377f05eed32dcfe4e1e4\/car-front.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltabc3ae1ec7d6218c\/68f1377f05eed32dcfe4e1e4\/car-front.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltabc3ae1ec7d6218c\/68f1377f05eed32dcfe4e1e4\/car-front.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eTransportation incidents\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eEmployees injured in vehicle accidents while working face costly recovery and downtime.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf4b2434e951d1175\/68f1377fb39c06869eeb5eaa\/biohazard.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf4b2434e951d1175\/68f1377fb39c06869eeb5eaa\/biohazard.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf4b2434e951d1175\/68f1377fb39c06869eeb5eaa\/biohazard.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eChemical exposure\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eContact with harmful substances can result in burns, respiratory illness or chronic health issues.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt77b35168d8754425\/69025c27568ce07f7fc3c734\/grip.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt77b35168d8754425\/69025c27568ce07f7fc3c734\/grip.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt77b35168d8754425\/69025c27568ce07f7fc3c734\/grip.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eOccupational illness\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eExposure to dust, chemicals or poor ventilation can lead to long-term health issues that drive up medical and absence costs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt5e2f2047663ed516\/68f1377fc1907899af7ef24b\/calendar-minus.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt5e2f2047663ed516\/68f1377fc1907899af7ef24b\/calendar-minus.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt5e2f2047663ed516\/68f1377fc1907899af7ef24b\/calendar-minus.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eDelayed return to work\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eWithout rehabilitation plans, injured employees may remain out longer, increasing costs and lowering team morale.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt14d91b67d3013b38\/690cfcb486576264b639563b\/heart-crack.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt14d91b67d3013b38\/690cfcb486576264b639563b\/heart-crack.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt14d91b67d3013b38\/690cfcb486576264b639563b\/heart-crack.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eFatal incidents\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eSevere workplace accidents can devastate families and operations, leaving businesses responsible for compensation and penalties.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltc831b0636ccfce17\/68f13797a1c5f08ab7973734\/files.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltc831b0636ccfce17\/68f13797a1c5f08ab7973734\/files.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltc831b0636ccfce17\/68f13797a1c5f08ab7973734\/files.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eCompliance mistakes\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eMissing filings or mismanaging claims can trigger audits, fines and reputational damage that affect contracts and hiring.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-poster-list w-full bg-soft-white py-fixed-2xl xl:px-3xl px-md\"\u003e\n\u003cdiv class='w-full mx-auto container-grid max-w-[calc(var(--breakpoint-4xl)-var(--spacing-grid-margin-lg)*2)] xl:py-4xl py-3xl bg-background-accent-3 rounded-loose container-grid grid-flow-row-dense\"'\u003e\n\u003ch2 class=\"text-headline-3 text-true-black xl:col-span-6 col-span-5\"\u003eOur workers’ compensation insurance can cover\u003c\/h2\u003e\n\u003cul class=\"xl:col-span-5 row-span-2 col-span-5 xl:col-start-9 xl:mt-[0] mt-4xl space-y-fixed-lg mb-fixed-lg xl:mb-fixed-0 xl:flex xl:flex-wrap xl:gap-x-grid-gutter-lg\"\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eBeneficiary compensation\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eDisability benefits\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eLost wages\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eMedical bills and hospitalization\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eRehabilitation and occupational therapy\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eRetraining\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"High Street Insurance Partners","offers":[{"title":"Default Title","offer_id":47331003531494,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/Screenshot_2026-02-03_151314.png?v=1770150177"},{"product_id":"highstreet-insurance-surety-bonds","title":"HighStreet Insurance Surety Bonds","description":"\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003ch1 class=\"doctor-dom\"\u003e\u003cspan\u003eSurety Bonds\u003c\/span\u003e\u003c\/h1\u003e\n\u003cp\u003e\u003cspan\u003eSecure your credibility and performance with surety bonds that guarantee you’ll deliver on your contracts. Even if things go wrong, your clients never leave empty-handed.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\n\u003ch2 class=\"text-headline-2 mb-sm\"\u003eAssure your clients you can do it.\u003c\/h2\u003e\n\u003cp class=\"text-body-md mb-fixed-2xl\"\u003eWith a surety bond, you can bid on government and other large projects without posting cash or letters of credit. Your local agent will help you understand your bond options.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and a representative will contact you to take you to the final step of your buying process.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca href=\"https:\/\/www.myhighstreet.com\/contact\" aria-label=\"Talk to an advisor\" rel=\"noopener noreferrer\" class=\"inline-flex items-center justify-between leading-button--line-height text-button cursor-pointer transition-colors duration-250 linear whitespace-nowrap pl-fixed-2xl py-fixed-sm pr-fixed-sm rounded-round gap-x-fixed-2xl xl:w-auto w-full focus-visible:outline-(length:--border-m) focus-visible:outline-offset-1 yellow:bg-lotus yellow:text-true-black yellow:pl-fixed-2xl yellow:py-fixed-sm yellow:pr-fixed-sm yellow:rounded-round yellow:gap-x-fixed-2xl yellow:w-full yellow:xl:w-auto yellow:hover:bg-true-black yellow:hover:text-true-white yellow:focus-visible:bg-true-black yellow:focus-visible:text-true-white yellow:focus-visible:outline-state-focus yellow:focus-visible:outline-(length:--border-m) yellow:focus-visible:outline-offset-1 theme-partner:bg-true-white theme-partner:hover:bg-lotus theme-partner:hover:text-true-black theme-partner:focus-visible:bg-lotus theme-partner:focus-visible:text-true-black black:bg-true-black black:text-true-white black:pl-fixed-2xl black:py-fixed-sm black:pr-fixed-sm black:rounded-round black:gap-x-fixed-2xl black:xl:w-auto black:w-full black:hover:bg-lotus black:hover:text-true-black black:focus-visible:bg-lotus black:focus-visible:text-true-black black:focus-visible:outline-state-focus black:focus-visible:outline-(length:--border-m) white:bg-true-white white:text-true-black white:pl-fixed-2xl white:py-fixed-sm white:pr-fixed-sm white:rounded-round white:gap-x-fixed-2xl white:xl:w-auto white:w-full white:hover:bg-lotus white:hover:text-true-black white:focus-visible:bg-lotus white:focus-visible:text-true-black white:focus-visible:outline-state-focus white:focus-visible:outline-(length:--border-m) yellow\" target=\"_self\"\u003eTalk to an advisor\u003c\/a\u003e and schedule a visit.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt4e87914de7684fe0\/69024eb7f3a706e02040c736\/file-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt4e87914de7684fe0\/69024eb7f3a706e02040c736\/file-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt4e87914de7684fe0\/69024eb7f3a706e02040c736\/file-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eBid withdrawal\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eYou might win a contract but need to withdraw, creating more costs for your client.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf6f2573f06fd017f\/69025086d4ec4d24a56cc643\/siren.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf6f2573f06fd017f\/69025086d4ec4d24a56cc643\/siren.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf6f2573f06fd017f\/69025086d4ec4d24a56cc643\/siren.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eProject default\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eIf your company can’t complete work due to unforeseen circumstances, a client could sue.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt0b99d2f71404033d\/69024e7ef3a7061b9d40c72c\/banknote-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt0b99d2f71404033d\/69024e7ef3a7061b9d40c72c\/banknote-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt0b99d2f71404033d\/69024e7ef3a7061b9d40c72c\/banknote-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eSupplier nonpayment\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eIf subcontractors or suppliers aren’t paid, it might trigger client financial loss.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltdcfbbca06c3182f2\/69024f9fd4ec4d01d86cc63e\/id-card.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltdcfbbca06c3182f2\/69024f9fd4ec4d01d86cc63e\/id-card.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltdcfbbca06c3182f2\/69024f9fd4ec4d01d86cc63e\/id-card.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eLicense violations\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eFailure to comply with regulations could result in fines or penalties to your business.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltd686195b90a9070c\/69024fce125430d8a1e9b162\/calendar-fold.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltd686195b90a9070c\/69024fce125430d8a1e9b162\/calendar-fold.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltd686195b90a9070c\/69024fce125430d8a1e9b162\/calendar-fold.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eMissed deadlines\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eProject delays can lead to contractual penalties or damages you should protect yourself against.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltc2627fb6e3d9f548\/68f137a4a1c5f021c6973738\/octagon-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltc2627fb6e3d9f548\/68f137a4a1c5f021c6973738\/octagon-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltc2627fb6e3d9f548\/68f137a4a1c5f021c6973738\/octagon-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eIncomplete performance\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eA contractor failing to meet agreed quality or project scope means trouble for you and your client.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltc831b0636ccfce17\/68f13797a1c5f08ab7973734\/files.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltc831b0636ccfce17\/68f13797a1c5f08ab7973734\/files.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltc831b0636ccfce17\/68f13797a1c5f08ab7973734\/files.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eBond claim dispute\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eA client could file a claim against your bond for unfinished work.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt16983be4f376f0dd\/69024a8f7a71394a4a15fd33\/trending-down.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt16983be4f376f0dd\/69024a8f7a71394a4a15fd33\/trending-down.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt16983be4f376f0dd\/69024a8f7a71394a4a15fd33\/trending-down.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eFinancial mismanagement\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eEven if budget shortfalls prevent project completion, you may still be required to pay out.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-poster-details w-full bg-transparent xl:px-lg px-md py-0\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid--v2 max-w-[calc(var(--breakpoint-4xl)-var(--spacing-grid-margin-lg)*2)] py-3xl bg-background-accent-3 rounded-loose px-md xl:px-3xl relative items-start\"\u003e\n\u003cdiv class=\"doctor-dom\"\u003eOur surety bond options include\u003c\/div\u003e\n\u003cdiv class=\"col-span-full grid grid-cols-subgrid gap-y-3xl mt-3xl\"\u003e\n\u003cdiv class=\"grid grid-rows-subgrid grid-cols-subgrid gap-y-sm 2xl:col-span-4 lg:col-span-6 col-span-full row-span-2\"\u003e\n\u003cdiv class=\"doctor-dom\"\u003eBid Bond\u003c\/div\u003e\n\u003cdiv class=\"col-span-full 2xl:col-span-3 text-true-black\"\u003e\n\u003cp class=\"text-body-md\"\u003eGuarantees if you are awarded a project that you will fulfill the contract at the bid price.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"grid grid-rows-subgrid grid-cols-subgrid gap-y-sm 2xl:col-span-4 lg:col-span-6 col-span-full row-span-2\"\u003e\n\u003cdiv class=\"doctor-dom\"\u003ePerformance Bond\u003c\/div\u003e\n\u003cdiv class=\"col-span-full 2xl:col-span-3 text-true-black\"\u003e\n\u003cp class=\"text-body-md\"\u003eEnsures work will be completed and suppliers and laborers are paid.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"grid grid-rows-subgrid grid-cols-subgrid gap-y-sm 2xl:col-span-4 lg:col-span-6 col-span-full row-span-2\"\u003e\n\u003cdiv class=\"doctor-dom\"\u003eLicense \u0026amp; Permit Bonds\u003c\/div\u003e\n\u003cdiv class=\"col-span-full 2xl:col-span-3 text-true-black\"\u003e\n\u003cp class=\"text-body-md\"\u003eEnsures your work complies with applicable rules, regulations and industry codes.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"High Street Insurance Partners","offers":[{"title":"Default Title","offer_id":47331025453286,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/Screenshot_2026-02-03_151314.png?v=1770150177"},{"product_id":"highstreet-insurance-professional-liability-insurance","title":"HighStreet Insurance Professional Liability Insurance","description":"\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003ch1 class=\"doctor-dom\"\u003e\u003cspan\u003eProfessional Liability Insurance\u003c\/span\u003e\u003c\/h1\u003e\n\u003cp\u003e\u003cspan\u003eYour reputation and livelihood need protection from costly lawsuits over mistakes or missed expectations so you can focus on your professional responsibilities.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\n\u003ch2 class=\"text-headline-2 mb-sm\"\u003eUnderstand exposure risks with pros.\u003c\/h2\u003e\n\u003cp class=\"text-body-md mb-fixed-2xl\"\u003eEven small mistakes can lead to large claims. Our agents help clients like you protect against errors, omissions and allegations that can threaten your business.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and a representative will contact you to take you to the final step of your buying process.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca class=\"inline-flex items-center justify-between leading-button--line-height text-button cursor-pointer transition-colors duration-250 linear whitespace-nowrap pl-fixed-2xl py-fixed-sm pr-fixed-sm rounded-round gap-x-fixed-2xl xl:w-auto w-full focus-visible:outline-(length:--border-m) focus-visible:outline-offset-1 yellow:bg-lotus yellow:text-true-black yellow:pl-fixed-2xl yellow:py-fixed-sm yellow:pr-fixed-sm yellow:rounded-round yellow:gap-x-fixed-2xl yellow:w-full yellow:xl:w-auto yellow:hover:bg-true-black yellow:hover:text-true-white yellow:focus-visible:bg-true-black yellow:focus-visible:text-true-white yellow:focus-visible:outline-state-focus yellow:focus-visible:outline-(length:--border-m) yellow:focus-visible:outline-offset-1 theme-partner:bg-true-white theme-partner:hover:bg-lotus theme-partner:hover:text-true-black theme-partner:focus-visible:bg-lotus theme-partner:focus-visible:text-true-black black:bg-true-black black:text-true-white black:pl-fixed-2xl black:py-fixed-sm black:pr-fixed-sm black:rounded-round black:gap-x-fixed-2xl black:xl:w-auto black:w-full black:hover:bg-lotus black:hover:text-true-black black:focus-visible:bg-lotus black:focus-visible:text-true-black black:focus-visible:outline-state-focus black:focus-visible:outline-(length:--border-m) white:bg-true-white white:text-true-black white:pl-fixed-2xl white:py-fixed-sm white:pr-fixed-sm white:rounded-round white:gap-x-fixed-2xl white:xl:w-auto white:w-full white:hover:bg-lotus white:hover:text-true-black white:focus-visible:bg-lotus white:focus-visible:text-true-black white:focus-visible:outline-state-focus white:focus-visible:outline-(length:--border-m) yellow\" rel=\"noopener noreferrer\" aria-label=\"Talk to an advisor\" href=\"https:\/\/www.myhighstreet.com\/contact\" target=\"_self\"\u003eTalk to an advisor\u003c\/a\u003e and schedule a visit.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt74b743abf6334759\/68f1379705eed37c2fe4e1e8\/file-user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt74b743abf6334759\/68f1379705eed37c2fe4e1e8\/file-user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt74b743abf6334759\/68f1379705eed37c2fe4e1e8\/file-user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eProfessional negligence\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eA client who believes your service fell short of expectations can accuse you of negligence or carelessness.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blte8c5e724f353eaaa\/691f4f267d45f8aa589c6fc6\/signature.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blte8c5e724f353eaaa\/691f4f267d45f8aa589c6fc6\/signature.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blte8c5e724f353eaaa\/691f4f267d45f8aa589c6fc6\/signature.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eErrors and omissions\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eEven minor oversights or misstatements in a report, contract or advice can expose you to liability for financial losses claimed by your clients.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt648729428f8efd4a\/6903bd8c6b1d4084b1d726a5\/map.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt648729428f8efd4a\/6903bd8c6b1d4084b1d726a5\/map.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt648729428f8efd4a\/6903bd8c6b1d4084b1d726a5\/map.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eBad advice allegations\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eIf your recommendation leads to a client’s loss, they may allege poor guidance or misrepresentation, even when you acted in good faith and within industry standards.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcd40555a3989b26b\/68f13797d8250eba5741ff26\/folder-lock.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcd40555a3989b26b\/68f13797d8250eba5741ff26\/folder-lock.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcd40555a3989b26b\/68f13797d8250eba5741ff26\/folder-lock.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eConfidentiality breaches\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eSharing sensitive client data or project information by accident can result in claims for breach of privacy or confidentiality violations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt4e87914de7684fe0\/69024eb7f3a706e02040c736\/file-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt4e87914de7684fe0\/69024eb7f3a706e02040c736\/file-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt4e87914de7684fe0\/69024eb7f3a706e02040c736\/file-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eInaccurate documentation\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eIncorrect figures or misstated details in contracts or reports can lead to claims that you misled clients.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt56ed6f08bd0b4328\/69024acf55ad35fbe89caf8a\/dollar-sign.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt56ed6f08bd0b4328\/69024acf55ad35fbe89caf8a\/dollar-sign.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt56ed6f08bd0b4328\/69024acf55ad35fbe89caf8a\/dollar-sign.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eLegal defense expenses\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eEven if a claim is unfounded, the cost of defending yourself in court or settling disputes can be financially devastating.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-poster-list w-full bg-soft-white py-fixed-2xl xl:px-3xl px-md\"\u003e\n\u003cdiv class='w-full mx-auto container-grid max-w-[calc(var(--breakpoint-4xl)-var(--spacing-grid-margin-lg)*2)] xl:py-4xl py-3xl bg-background-accent-3 rounded-loose container-grid grid-flow-row-dense\"'\u003e\n\u003ch2 class=\"text-headline-3 text-true-black xl:col-span-6 col-span-5\"\u003eOur professional liability insurance can cover\u003c\/h2\u003e\n\u003cul class=\"xl:col-span-5 row-span-2 col-span-5 xl:col-start-9 xl:mt-[0] mt-4xl space-y-fixed-lg mb-fixed-lg xl:mb-fixed-0 xl:flex xl:flex-wrap xl:gap-x-grid-gutter-lg\"\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eAccountants\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eHealthcare professionals\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eLawyers\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eMiscellaneous professionals\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eTechnology errors and omissions\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"High Street Insurance Partners","offers":[{"title":"Default Title","offer_id":47331039477990,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/Screenshot_2026-02-03_151314.png?v=1770150177"},{"product_id":"highstreet-insurance-general-liability-insurance","title":"HighStreet Insurance General Liability Insurance","description":"\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003ch1 class=\"doctor-dom\"\u003e\u003cspan\u003eGeneral Liability Insurance\u003c\/span\u003e\u003c\/h1\u003e\n\u003cp\u003e\u003cspan\u003eKeep your business safe from costly lawsuits over injuries, property damage or reputational harm with coverage designed to protect your finances and your future.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\n\u003ch2 class=\"text-headline-2 mb-sm\"\u003eLiabilities can arise from anywhere.\u003c\/h2\u003e\n\u003cp class=\"text-body-md mb-fixed-2xl\"\u003eWhen you’re insured against accidents and mistakes, you can operate your business smoothly without worry of financial loss from general liability claims.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and a representative will contact you to take you to the final step of your buying process.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca href=\"https:\/\/www.myhighstreet.com\/contact\" aria-label=\"Talk to an advisor\" rel=\"noopener noreferrer\" class=\"inline-flex items-center justify-between leading-button--line-height text-button cursor-pointer transition-colors duration-250 linear whitespace-nowrap pl-fixed-2xl py-fixed-sm pr-fixed-sm rounded-round gap-x-fixed-2xl xl:w-auto w-full focus-visible:outline-(length:--border-m) focus-visible:outline-offset-1 yellow:bg-lotus yellow:text-true-black yellow:pl-fixed-2xl yellow:py-fixed-sm yellow:pr-fixed-sm yellow:rounded-round yellow:gap-x-fixed-2xl yellow:w-full yellow:xl:w-auto yellow:hover:bg-true-black yellow:hover:text-true-white yellow:focus-visible:bg-true-black yellow:focus-visible:text-true-white yellow:focus-visible:outline-state-focus yellow:focus-visible:outline-(length:--border-m) yellow:focus-visible:outline-offset-1 theme-partner:bg-true-white theme-partner:hover:bg-lotus theme-partner:hover:text-true-black theme-partner:focus-visible:bg-lotus theme-partner:focus-visible:text-true-black black:bg-true-black black:text-true-white black:pl-fixed-2xl black:py-fixed-sm black:pr-fixed-sm black:rounded-round black:gap-x-fixed-2xl black:xl:w-auto black:w-full black:hover:bg-lotus black:hover:text-true-black black:focus-visible:bg-lotus black:focus-visible:text-true-black black:focus-visible:outline-state-focus black:focus-visible:outline-(length:--border-m) white:bg-true-white white:text-true-black white:pl-fixed-2xl white:py-fixed-sm white:pr-fixed-sm white:rounded-round white:gap-x-fixed-2xl white:xl:w-auto white:w-full white:hover:bg-lotus white:hover:text-true-black white:focus-visible:bg-lotus white:focus-visible:text-true-black white:focus-visible:outline-state-focus white:focus-visible:outline-(length:--border-m) yellow\" target=\"_self\"\u003eTalk to an advisor\u003c\/a\u003e and schedule a visit.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9e91d70be29cfebe\/690cfdaa8fd01806664563f3\/shield-plus.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9e91d70be29cfebe\/690cfdaa8fd01806664563f3\/shield-plus.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9e91d70be29cfebe\/690cfdaa8fd01806664563f3\/shield-plus.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eSlip and fall injury\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eAccidents on your property can lead to medical bills and lawsuits that put your business at risk.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf041db7236eb57f2\/69024d4df3a7066aa240c70e\/house.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf041db7236eb57f2\/69024d4df3a7066aa240c70e\/house.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf041db7236eb57f2\/69024d4df3a7066aa240c70e\/house.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eCustomer property damage\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eDamage caused by your team to a client’s property — like scratched floors or broken equipment — can result in claims for repairs or replacements.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt76eb21ea0bb223a8\/68f139d4b39c069a4eeb5eca\/wrench.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt76eb21ea0bb223a8\/68f139d4b39c069a4eeb5eca\/wrench.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt76eb21ea0bb223a8\/68f139d4b39c069a4eeb5eca\/wrench.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eProduct or equipment failure\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eA defective item or tool could cause harm to a customer or property that requires significant repayment.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltaef9f5ad7705fdff\/69024da1125430332ee9b13a\/party-popper.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltaef9f5ad7705fdff\/69024da1125430332ee9b13a\/party-popper.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltaef9f5ad7705fdff\/69024da1125430332ee9b13a\/party-popper.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eEvent liability\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eHosting trade shows, seminars, or client events can create risks if attendees are injured or equipment is damaged.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt03b6170201bfaa47\/69024dd0b5c5264a675ef233\/mic.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt03b6170201bfaa47\/69024dd0b5c5264a675ef233\/mic.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt03b6170201bfaa47\/69024dd0b5c5264a675ef233\/mic.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eAdvertising injury\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eA competitor could say your marketing materials violated their copyright or defamed them — costly claims to defend.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt71b585dd7b01152a\/68f139d4aaf1bc8f576f840f\/user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt71b585dd7b01152a\/68f139d4aaf1bc8f576f840f\/user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt71b585dd7b01152a\/68f139d4aaf1bc8f576f840f\/user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eReputational harm\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eAvoid draining time and resources defending your business against claims of slander or libel.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltfd746f4ab0e554a2\/68f14d8705eed3f3a4e4e240\/gavel.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltfd746f4ab0e554a2\/68f14d8705eed3f3a4e4e240\/gavel.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltfd746f4ab0e554a2\/68f14d8705eed3f3a4e4e240\/gavel.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eLegal defense costs\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eEven when claims are unfounded, the cost to defend your business in court can add up quickly without liability insurance in place.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"High Street Insurance Partners","offers":[{"title":"Default Title","offer_id":47331054387430,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/Screenshot_2026-02-03_151314.png?v=1770150177"},{"product_id":"highstreet-insurance-executive-liability-insurance","title":"HighStreet Insurance Executive Liability Insurance","description":"\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003ch1 class=\"doctor-dom\"\u003e\u003cspan\u003eExecutive Liability Insurance\u003c\/span\u003e\u003c\/h1\u003e\n\u003cp\u003e\u003cspan\u003eAttract strong leadership by keeping their personal finances protected against costly lawsuits or regulatory actions from management-related decisions.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\n\u003ch2 class=\"text-headline-2 mb-sm\"\u003eShield your leadership team.\u003c\/h2\u003e\n\u003cp class=\"text-body-md mb-fixed-2xl\"\u003eExecutive liability or Directors \u0026amp; Officers (D\u0026amp;O) insurance keeps your executives protected in disagreements with clients over management decisions and how they’re executed.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and a representative will contact you to take you to the final step of your buying process.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca class=\"inline-flex items-center justify-between leading-button--line-height text-button cursor-pointer transition-colors duration-250 linear whitespace-nowrap pl-fixed-2xl py-fixed-sm pr-fixed-sm rounded-round gap-x-fixed-2xl xl:w-auto w-full focus-visible:outline-(length:--border-m) focus-visible:outline-offset-1 yellow:bg-lotus yellow:text-true-black yellow:pl-fixed-2xl yellow:py-fixed-sm yellow:pr-fixed-sm yellow:rounded-round yellow:gap-x-fixed-2xl yellow:w-full yellow:xl:w-auto yellow:hover:bg-true-black yellow:hover:text-true-white yellow:focus-visible:bg-true-black yellow:focus-visible:text-true-white yellow:focus-visible:outline-state-focus yellow:focus-visible:outline-(length:--border-m) yellow:focus-visible:outline-offset-1 theme-partner:bg-true-white theme-partner:hover:bg-lotus theme-partner:hover:text-true-black theme-partner:focus-visible:bg-lotus theme-partner:focus-visible:text-true-black black:bg-true-black black:text-true-white black:pl-fixed-2xl black:py-fixed-sm black:pr-fixed-sm black:rounded-round black:gap-x-fixed-2xl black:xl:w-auto black:w-full black:hover:bg-lotus black:hover:text-true-black black:focus-visible:bg-lotus black:focus-visible:text-true-black black:focus-visible:outline-state-focus black:focus-visible:outline-(length:--border-m) white:bg-true-white white:text-true-black white:pl-fixed-2xl white:py-fixed-sm white:pr-fixed-sm white:rounded-round white:gap-x-fixed-2xl white:xl:w-auto white:w-full white:hover:bg-lotus white:hover:text-true-black white:focus-visible:bg-lotus white:focus-visible:text-true-black white:focus-visible:outline-state-focus white:focus-visible:outline-(length:--border-m) yellow\" rel=\"noopener noreferrer\" aria-label=\"Talk to an advisor\" href=\"https:\/\/www.myhighstreet.com\/contact\" target=\"_self\"\u003eTalk to an advisor\u003c\/a\u003e and schedule a visit.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt1c9b67ab70843d0d\/69024b8e568ce0bf4bc3c677\/scale.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt1c9b67ab70843d0d\/69024b8e568ce0bf4bc3c677\/scale.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt1c9b67ab70843d0d\/69024b8e568ce0bf4bc3c677\/scale.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eRegulatory violations\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eCompliance errors can lead to fines and legal actions for inaccurate disclosures.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9ccc74a81e6388e6\/69024bd355ad35771b9cafca\/audio-lines.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9ccc74a81e6388e6\/69024bd355ad35771b9cafca\/audio-lines.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9ccc74a81e6388e6\/69024bd355ad35771b9cafca\/audio-lines.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eShareholder misrepresentation\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eInvestors could allege they were misled on company performance or forecasts.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9f80056e08847fe9\/68f13797c19078f0747ef24f\/file-text.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9f80056e08847fe9\/68f13797c19078f0747ef24f\/file-text.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9f80056e08847fe9\/68f13797c19078f0747ef24f\/file-text.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eEmployment disputes\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eA former employee might file a claim for discrimination or wrongful termination.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt44a3de27826703e0\/69024acde9af5442fa88f6cf\/banknote.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt44a3de27826703e0\/69024acde9af5442fa88f6cf\/banknote.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt44a3de27826703e0\/69024acde9af5442fa88f6cf\/banknote.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eBreach of fiduciary duty\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eExecutives could face accusations of poor investment decisions or fund mismanagement.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt6cc8b14e8b4aa123\/690d03828fd018a4c045641f\/card-sim.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt6cc8b14e8b4aa123\/690d03828fd018a4c045641f\/card-sim.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt6cc8b14e8b4aa123\/690d03828fd018a4c045641f\/card-sim.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eData privacy oversight\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eA cyber incident could expose sensitive data, prompting regulatory scrutiny.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltca39aed60460ad21\/69024c88f3a706fda040c6fe\/pen.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltca39aed60460ad21\/69024c88f3a706fda040c6fe\/pen.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltca39aed60460ad21\/69024c88f3a706fda040c6fe\/pen.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eMismanagement allegations\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eDecisions about acquisitions or mergers can result in costly legal challenges.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-poster-list w-full bg-soft-white py-fixed-2xl xl:px-3xl px-md\"\u003e\n\u003cdiv class='w-full mx-auto container-grid max-w-[calc(var(--breakpoint-4xl)-var(--spacing-grid-margin-lg)*2)] xl:py-4xl py-3xl bg-background-accent-3 rounded-loose container-grid grid-flow-row-dense\"'\u003e\n\u003ch2 class=\"text-headline-3 text-true-black xl:col-span-6 col-span-5\"\u003eOur executive liability insurance can provide coverage for\u003c\/h2\u003e\n\u003cul class=\"xl:col-span-5 row-span-2 col-span-5 xl:col-start-9 xl:mt-[0] mt-4xl space-y-fixed-lg mb-fixed-lg xl:mb-fixed-0 xl:flex xl:flex-wrap xl:gap-x-grid-gutter-lg\"\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eCrime and fidelity\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eDirectors and officers liability\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eIn-house lawyer liability\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eEmployment practices liability\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eFiduciary liability\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eKidnap and ransom\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eRegulations violations\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eReporting errors and misrepresentation\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"High Street Insurance Partners","offers":[{"title":"Default Title","offer_id":47331084206310,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/Screenshot_2026-02-03_151314.png?v=1770150177"},{"product_id":"highstreet-insurance-environmental-liability-insurance","title":"HighStreet Insurance Environmental Liability Insurance","description":"\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003ch1 class=\"doctor-dom\"\u003eEnvironmental Liability Insurance\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cp\u003e\u003cspan\u003eOne spill can threaten your company and your neighbors. We’ll help you handle cleanup, legal fees and recovery so you can get back to work safely.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\n\u003ch2 class=\"text-headline-2 mb-sm\"\u003eProtect the earth and your business.\u003c\/h2\u003e\n\u003cp class=\"text-body-md mb-fixed-2xl\"\u003eWhen you add environmental liability insurance to property and general liability coverage, you can help your business and your community recover from ecological damage.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and a representative will contact you to take you to the final step of your buying process.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca href=\"https:\/\/www.myhighstreet.com\/contact\" aria-label=\"Talk to an advisor\" rel=\"noopener noreferrer\" class=\"inline-flex items-center justify-between leading-button--line-height text-button cursor-pointer transition-colors duration-250 linear whitespace-nowrap pl-fixed-2xl py-fixed-sm pr-fixed-sm rounded-round gap-x-fixed-2xl xl:w-auto w-full focus-visible:outline-(length:--border-m) focus-visible:outline-offset-1 yellow:bg-lotus yellow:text-true-black yellow:pl-fixed-2xl yellow:py-fixed-sm yellow:pr-fixed-sm yellow:rounded-round yellow:gap-x-fixed-2xl yellow:w-full yellow:xl:w-auto yellow:hover:bg-true-black yellow:hover:text-true-white yellow:focus-visible:bg-true-black yellow:focus-visible:text-true-white yellow:focus-visible:outline-state-focus yellow:focus-visible:outline-(length:--border-m) yellow:focus-visible:outline-offset-1 theme-partner:bg-true-white theme-partner:hover:bg-lotus theme-partner:hover:text-true-black theme-partner:focus-visible:bg-lotus theme-partner:focus-visible:text-true-black black:bg-true-black black:text-true-white black:pl-fixed-2xl black:py-fixed-sm black:pr-fixed-sm black:rounded-round black:gap-x-fixed-2xl black:xl:w-auto black:w-full black:hover:bg-lotus black:hover:text-true-black black:focus-visible:bg-lotus black:focus-visible:text-true-black black:focus-visible:outline-state-focus black:focus-visible:outline-(length:--border-m) white:bg-true-white white:text-true-black white:pl-fixed-2xl white:py-fixed-sm white:pr-fixed-sm white:rounded-round white:gap-x-fixed-2xl white:xl:w-auto white:w-full white:hover:bg-lotus white:hover:text-true-black white:focus-visible:bg-lotus white:focus-visible:text-true-black white:focus-visible:outline-state-focus white:focus-visible:outline-(length:--border-m) yellow\" target=\"_self\"\u003eTalk to an advisor\u003c\/a\u003e and schedule a visit.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt74b743abf6334759\/68f1379705eed37c2fe4e1e8\/file-user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt74b743abf6334759\/68f1379705eed37c2fe4e1e8\/file-user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt74b743abf6334759\/68f1379705eed37c2fe4e1e8\/file-user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eThird-party claims\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eWhen the environment near you gets contaminated, other property owners in the area get affected as well.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf4b2434e951d1175\/68f1377fb39c06869eeb5eaa\/biohazard.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf4b2434e951d1175\/68f1377fb39c06869eeb5eaa\/biohazard.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf4b2434e951d1175\/68f1377fb39c06869eeb5eaa\/biohazard.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eChemical spills\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eLeaking tanks or pipe ruptures can release hazardous materials into soil or water and trigger costly cleanup orders.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt624857f755a600e9\/68f137a4c190784c3b7ef257\/sprout.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt624857f755a600e9\/68f137a4c190784c3b7ef257\/sprout.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt624857f755a600e9\/68f137a4c190784c3b7ef257\/sprout.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eAir and soil contamination\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eDust, smoke or chemical runoff from a site can harm surrounding properties and lead to third-party claims.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf53ad9c7003f45c1\/68f14ed97d61761f6bc6d3d0\/map-pin.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf53ad9c7003f45c1\/68f14ed97d61761f6bc6d3d0\/map-pin.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf53ad9c7003f45c1\/68f14ed97d61761f6bc6d3d0\/map-pin.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003ePlaces you do business\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eIncidents on contracted sites are complicated by the need to find fault in situations of ambiguous liability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt19ddeaff49fe00e3\/68f137add8250e8d8241ff2e\/trash.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt19ddeaff49fe00e3\/68f137add8250e8d8241ff2e\/trash.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt19ddeaff49fe00e3\/68f137add8250e8d8241ff2e\/trash.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eWaste disposal issues\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eImproper handling of industrial waste can violate EPA rules and result in fines and lawsuits.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt8bfe89d452c6a3c6\/68f14fb81f51c948c4f54d58\/grid-2x2-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt8bfe89d452c6a3c6\/68f14fb81f51c948c4f54d58\/grid-2x2-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt8bfe89d452c6a3c6\/68f14fb81f51c948c4f54d58\/grid-2x2-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eOn-premise contaminants\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eToxins can be released during or after the development of new properties including brownfield sites.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltce1a04f08bcbb47a\/68f150101f51c928ecf54d5e\/land-plot.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltce1a04f08bcbb47a\/68f150101f51c928ecf54d5e\/land-plot.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltce1a04f08bcbb47a\/68f150101f51c928ecf54d5e\/land-plot.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eUnknown site conditions\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eBuying or developing land with undetected pollutants can create unexpected liabilities for new owners.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-poster-list w-full bg-soft-white py-fixed-2xl xl:px-3xl px-md\"\u003e\n\u003cdiv class='w-full mx-auto container-grid max-w-[calc(var(--breakpoint-4xl)-var(--spacing-grid-margin-lg)*2)] xl:py-4xl py-3xl bg-background-accent-3 rounded-loose container-grid grid-flow-row-dense\"'\u003e\n\u003ch2 class=\"text-headline-3 text-true-black xl:col-span-6 col-span-5\"\u003eOur environmental liability insurance can cover\u003c\/h2\u003e\n\u003cul class=\"xl:col-span-5 row-span-2 col-span-5 xl:col-start-9 xl:mt-[0] mt-4xl space-y-fixed-lg mb-fixed-lg xl:mb-fixed-0 xl:flex xl:flex-wrap xl:gap-x-grid-gutter-lg\"\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eStatutory clean-up costs\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eBodily injury\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eProperty damage\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eLegal expenses\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"High Street Insurance Partners","offers":[{"title":"Default Title","offer_id":47343969730790,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/Screenshot_2026-02-03_151314.png?v=1770150177"},{"product_id":"highstreet-insurance-cyber-liability-insurance","title":"HighStreet Insurance Cyber Liability Insurance","description":"\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003ch1 class=\"doctor-dom\"\u003eCyber Liability Insurance\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp\u003e\u003cspan\u003eThe threat of a cyberattack hangs over everyone online. Our agents provide coverage to protect you from the devastating effects of scams and system insecurities.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\n\u003ch2 class=\"text-headline-2 mb-sm\"\u003eBe prepared for anything online.\u003c\/h2\u003e\n\u003cp class=\"text-body-md mb-fixed-2xl\"\u003eWhen you’re insured against digital threats and vulnerabilities, you’re free to really focus on the future without worrying about what might happen to your business, employees or customers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and a representative will contact you to take you to the final step of your buying process.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca class=\"inline-flex items-center justify-between leading-button--line-height text-button cursor-pointer transition-colors duration-250 linear whitespace-nowrap pl-fixed-2xl py-fixed-sm pr-fixed-sm rounded-round gap-x-fixed-2xl xl:w-auto w-full focus-visible:outline-(length:--border-m) focus-visible:outline-offset-1 yellow:bg-lotus yellow:text-true-black yellow:pl-fixed-2xl yellow:py-fixed-sm yellow:pr-fixed-sm yellow:rounded-round yellow:gap-x-fixed-2xl yellow:w-full yellow:xl:w-auto yellow:hover:bg-true-black yellow:hover:text-true-white yellow:focus-visible:bg-true-black yellow:focus-visible:text-true-white yellow:focus-visible:outline-state-focus yellow:focus-visible:outline-(length:--border-m) yellow:focus-visible:outline-offset-1 theme-partner:bg-true-white theme-partner:hover:bg-lotus theme-partner:hover:text-true-black theme-partner:focus-visible:bg-lotus theme-partner:focus-visible:text-true-black black:bg-true-black black:text-true-white black:pl-fixed-2xl black:py-fixed-sm black:pr-fixed-sm black:rounded-round black:gap-x-fixed-2xl black:xl:w-auto black:w-full black:hover:bg-lotus black:hover:text-true-black black:focus-visible:bg-lotus black:focus-visible:text-true-black black:focus-visible:outline-state-focus black:focus-visible:outline-(length:--border-m) white:bg-true-white white:text-true-black white:pl-fixed-2xl white:py-fixed-sm white:pr-fixed-sm white:rounded-round white:gap-x-fixed-2xl white:xl:w-auto white:w-full white:hover:bg-lotus white:hover:text-true-black white:focus-visible:bg-lotus white:focus-visible:text-true-black white:focus-visible:outline-state-focus white:focus-visible:outline-(length:--border-m) yellow\" rel=\"noopener noreferrer\" aria-label=\"Talk to an advisor\" href=\"https:\/\/www.myhighstreet.com\/contact\" target=\"_self\"\u003eTalk to an advisor\u003c\/a\u003e and schedule a visit.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt7ad3e9c4bde47b37\/68f137a469289a768f483e27\/mouse-pointer-click.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt7ad3e9c4bde47b37\/68f137a469289a768f483e27\/mouse-pointer-click.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt7ad3e9c4bde47b37\/68f137a469289a768f483e27\/mouse-pointer-click.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003ePhishing \u0026amp; smishing\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eOne wrong click on a fake invoice or email can expose logins and accounts, draining funds or leaking sensitive data.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcd40555a3989b26b\/68f13797d8250eba5741ff26\/folder-lock.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcd40555a3989b26b\/68f13797d8250eba5741ff26\/folder-lock.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcd40555a3989b26b\/68f13797d8250eba5741ff26\/folder-lock.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eRansomware lockouts\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eCriminals can freeze your files and demand payment to restore them, stopping sales, billing and customer access instantly.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt362aa81afbd95d03\/68f137a4b39c06a905eb5eb2\/shield-alert.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt362aa81afbd95d03\/68f137a4b39c06a905eb5eb2\/shield-alert.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt362aa81afbd95d03\/68f137a4b39c06a905eb5eb2\/shield-alert.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eData breaches\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eHackers stealing customer or employee data can spark lawsuits, fines and weeks of downtime as systems are repaired.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt4ec0c8a3fdc11245\/68f13797d8250e70e641ff2a\/handshake.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt4ec0c8a3fdc11245\/68f13797d8250e70e641ff2a\/handshake.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt4ec0c8a3fdc11245\/68f13797d8250e70e641ff2a\/handshake.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eReputation damage\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003ePublicized incidents can erode customer confidence, reduce referrals and impact future partnerships.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltfa9c3739894461c5\/68f1377fa1c5f0564b97372c\/cloud-off.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltfa9c3739894461c5\/68f1377fa1c5f0564b97372c\/cloud-off.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltfa9c3739894461c5\/68f1377fa1c5f0564b97372c\/cloud-off.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eSystem downtime\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eLost access to servers or payment systems can freeze business operations, disrupt supply chains and cause long-term revenue loss.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9f80056e08847fe9\/68f13797c19078f0747ef24f\/file-text.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9f80056e08847fe9\/68f13797c19078f0747ef24f\/file-text.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9f80056e08847fe9\/68f13797c19078f0747ef24f\/file-text.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eThird-party claims\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eBreaches in your systems can cascade to vendors or clients, leaving you liable for their financial and data losses.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltfd746f4ab0e554a2\/68f14d8705eed3f3a4e4e240\/gavel.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltfd746f4ab0e554a2\/68f14d8705eed3f3a4e4e240\/gavel.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltfd746f4ab0e554a2\/68f14d8705eed3f3a4e4e240\/gavel.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eRegulatory penalties\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eFailing to protect private data or report a breach can lead to fines and investigations from regulators and industry boards.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-poster-details w-full bg-transparent xl:px-lg px-md py-0\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid--v2 max-w-[calc(var(--breakpoint-4xl)-var(--spacing-grid-margin-lg)*2)] py-3xl bg-background-accent-3 rounded-loose px-md xl:px-3xl relative items-start\"\u003e\n\u003cdiv class=\"doctor-dom\"\u003eOur cyber liability insurance options include\u003c\/div\u003e\n\u003cdiv class=\"col-span-full grid grid-cols-subgrid gap-y-3xl mt-3xl\"\u003e\n\u003cdiv class=\"grid grid-rows-subgrid grid-cols-subgrid gap-y-sm 2xl:col-span-4 lg:col-span-6 col-span-full row-span-2\"\u003e\n\u003cdiv class=\"doctor-dom\"\u003eFirst-party\u003c\/div\u003e\n\u003cdiv class=\"col-span-full 2xl:col-span-3 text-true-black\"\u003e\n\u003cp class=\"text-body-md\"\u003eShield your business from the cost of investigations, legal fees and the other expenses of a data breach involving sensitive customer information.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"grid grid-rows-subgrid grid-cols-subgrid gap-y-sm 2xl:col-span-4 lg:col-span-6 col-span-full row-span-2\"\u003e\n\u003cdiv class=\"doctor-dom\"\u003eThird-party\u003c\/div\u003e\n\u003cdiv class=\"col-span-full 2xl:col-span-3 text-true-black\"\u003e\n\u003cp class=\"text-body-md\"\u003eProtect yourself from being sued by a customer, vendor, partner or other party for allowing a data breach to occur.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"grid grid-rows-subgrid grid-cols-subgrid gap-y-sm 2xl:col-span-4 lg:col-span-6 col-span-full row-span-2\"\u003e\n\u003cdiv class=\"doctor-dom\"\u003eIndustry\u003c\/div\u003e\n\u003cdiv class=\"col-span-full 2xl:col-span-3 text-true-black\"\u003e\n\u003cp class=\"text-body-md\"\u003eGain coverage relevant to your sector, such as healthcare, financial services, retail and nonprofit organizations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"High Street Insurance Partners","offers":[{"title":"Default Title","offer_id":47343972810982,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/Screenshot_2026-02-03_151314.png?v=1770150177"},{"product_id":"highstreet-insurance-commercial-property-insurance","title":"HighStreet Insurance Commercial Property Insurance","description":"\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003ch1 class=\"doctor-dom\"\u003e\u003cspan\u003eCommercial Property Insurance\u003c\/span\u003e\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp class=\"text-body-md mt-lg text-text-body\"\u003eWhen disaster strikes at your business, our commercial property insurance helps you immediately replace what’s been lost.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\n\u003ch2 class=\"text-headline-2 mb-sm\"\u003eProtect your premises and property.\u003c\/h2\u003e\n\u003cp class=\"text-body-md mb-fixed-2xl\"\u003eWhen you’re prepared for fire, theft or storms with our commercial property coverage, you’ll get the support you need to reopen your doors quickly and keep your business booming.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and a representative will contact you to take you to the final step of your buying process.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca href=\"https:\/\/www.myhighstreet.com\/contact\" aria-label=\"Talk to an advisor\" rel=\"noopener noreferrer\" class=\"inline-flex items-center justify-between leading-button--line-height text-button cursor-pointer transition-colors duration-250 linear whitespace-nowrap pl-fixed-2xl py-fixed-sm pr-fixed-sm rounded-round gap-x-fixed-2xl xl:w-auto w-full focus-visible:outline-(length:--border-m) focus-visible:outline-offset-1 yellow:bg-lotus yellow:text-true-black yellow:pl-fixed-2xl yellow:py-fixed-sm yellow:pr-fixed-sm yellow:rounded-round yellow:gap-x-fixed-2xl yellow:w-full yellow:xl:w-auto yellow:hover:bg-true-black yellow:hover:text-true-white yellow:focus-visible:bg-true-black yellow:focus-visible:text-true-white yellow:focus-visible:outline-state-focus yellow:focus-visible:outline-(length:--border-m) yellow:focus-visible:outline-offset-1 theme-partner:bg-true-white theme-partner:hover:bg-lotus theme-partner:hover:text-true-black theme-partner:focus-visible:bg-lotus theme-partner:focus-visible:text-true-black black:bg-true-black black:text-true-white black:pl-fixed-2xl black:py-fixed-sm black:pr-fixed-sm black:rounded-round black:gap-x-fixed-2xl black:xl:w-auto black:w-full black:hover:bg-lotus black:hover:text-true-black black:focus-visible:bg-lotus black:focus-visible:text-true-black black:focus-visible:outline-state-focus black:focus-visible:outline-(length:--border-m) white:bg-true-white white:text-true-black white:pl-fixed-2xl white:py-fixed-sm white:pr-fixed-sm white:rounded-round white:gap-x-fixed-2xl white:xl:w-auto white:w-full white:hover:bg-lotus white:hover:text-true-black white:focus-visible:bg-lotus white:focus-visible:text-true-black white:focus-visible:outline-state-focus white:focus-visible:outline-(length:--border-m) yellow\" target=\"_self\"\u003eTalk to an advisor\u003c\/a\u003e and schedule a visit.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltbb9a3f9fa1fcd972\/68f137971f51c92014f54caa\/flame.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltbb9a3f9fa1fcd972\/68f137971f51c92014f54caa\/flame.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltbb9a3f9fa1fcd972\/68f137971f51c92014f54caa\/flame.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eFire and smoke damage\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eA fire can spread in minutes, destroying buildings and equipment and forcing you to close until repairs are complete.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltb98c33859702e117\/68f1499ac1907855407ef2ae\/cloud-lightning.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltb98c33859702e117\/68f1499ac1907855407ef2ae\/cloud-lightning.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltb98c33859702e117\/68f1499ac1907855407ef2ae\/cloud-lightning.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eStorm and wind losses\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eSevere weather can damage roofs, signage and inventory, causing expensive delays and lost sales.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt6b2f8bb211da0d87\/68f137a4c190782f9c7ef255\/store.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt6b2f8bb211da0d87\/68f137a4c190782f9c7ef255\/store.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt6b2f8bb211da0d87\/68f137a4c190782f9c7ef255\/store.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eTheft and vandalism\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eBreak-ins or vandalism can destroy equipment and property, hurting productivity and profits.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blte9280399a26a24c1\/68f1377f69289a8f8a483e1b\/droplet.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blte9280399a26a24c1\/68f1377f69289a8f8a483e1b\/droplet.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blte9280399a26a24c1\/68f1377f69289a8f8a483e1b\/droplet.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eWater and burst pipes\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eLeaks and frozen pipes can ruin walls, stock and records before anyone notices.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltca7cdbe55362cf0b\/68f137a4840c5432e0ae832e\/screen-share-off.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltca7cdbe55362cf0b\/68f137a4840c5432e0ae832e\/screen-share-off.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltca7cdbe55362cf0b\/68f137a4840c5432e0ae832e\/screen-share-off.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eBusiness interruption\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eWhen property loss halts work, coverage for lost income and expenses keeps your business afloat.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt71b585dd7b01152a\/68f139d4aaf1bc8f576f840f\/user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt71b585dd7b01152a\/68f139d4aaf1bc8f576f840f\/user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt71b585dd7b01152a\/68f139d4aaf1bc8f576f840f\/user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eDamage to others’ property\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eProperty owned by your visitors or employees can also be damaged by an accident on your premises.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-poster-list w-full bg-soft-white py-fixed-2xl xl:px-3xl px-md\"\u003e\n\u003cdiv class='w-full mx-auto container-grid max-w-[calc(var(--breakpoint-4xl)-var(--spacing-grid-margin-lg)*2)] xl:py-4xl py-3xl bg-background-accent-3 rounded-loose container-grid grid-flow-row-dense\"'\u003e\n\u003ch2 class=\"text-headline-3 text-true-black xl:col-span-6 col-span-5\"\u003eOur commercial property insurance options include\u003c\/h2\u003e\n\u003cul class=\"xl:col-span-5 row-span-2 col-span-5 xl:col-start-9 xl:mt-[0] mt-4xl space-y-fixed-lg mb-fixed-lg xl:mb-fixed-0 xl:flex xl:flex-wrap xl:gap-x-grid-gutter-lg\"\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eBuilding\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eCatastrophe\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eFixtures\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eFurniture and equipment\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eInventory\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eOther people’s property\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eOutdoor business signs\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"High Street Insurance Partners","offers":[{"title":"Default Title","offer_id":47343978971366,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/Screenshot_2026-02-03_151314.png?v=1770150177"},{"product_id":"highstreet-insurance-commercial-auto-insurance","title":"HighStreet Insurance Commercial Auto Insurance","description":"\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003ch1 class=\"doctor-dom\"\u003e\u003cspan\u003eCommercial Auto Insurance\u003c\/span\u003e\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp class=\"text-body-md mt-lg text-text-body\"\u003e\u003cspan\u003eWhen your team is on the road, one accident can stall operations. Protect your people, your vehicles and your bottom line so work keeps moving.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\n\u003ch2 class=\"text-headline-2 mb-sm\"\u003eManage the risks of the road.\u003c\/h2\u003e\n\u003cp class=\"text-body-md mb-fixed-2xl\"\u003eWhen your team is insured against the dangers associated with driving for work, you’ll be able to see the road ahead with ease and plan a route for the future of your business.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and a representative will contact you to take you to the final step of your buying process.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca class=\"inline-flex items-center justify-between leading-button--line-height text-button cursor-pointer transition-colors duration-250 linear whitespace-nowrap pl-fixed-2xl py-fixed-sm pr-fixed-sm rounded-round gap-x-fixed-2xl xl:w-auto w-full focus-visible:outline-(length:--border-m) focus-visible:outline-offset-1 yellow:bg-lotus yellow:text-true-black yellow:pl-fixed-2xl yellow:py-fixed-sm yellow:pr-fixed-sm yellow:rounded-round yellow:gap-x-fixed-2xl yellow:w-full yellow:xl:w-auto yellow:hover:bg-true-black yellow:hover:text-true-white yellow:focus-visible:bg-true-black yellow:focus-visible:text-true-white yellow:focus-visible:outline-state-focus yellow:focus-visible:outline-(length:--border-m) yellow:focus-visible:outline-offset-1 theme-partner:bg-true-white theme-partner:hover:bg-lotus theme-partner:hover:text-true-black theme-partner:focus-visible:bg-lotus theme-partner:focus-visible:text-true-black black:bg-true-black black:text-true-white black:pl-fixed-2xl black:py-fixed-sm black:pr-fixed-sm black:rounded-round black:gap-x-fixed-2xl black:xl:w-auto black:w-full black:hover:bg-lotus black:hover:text-true-black black:focus-visible:bg-lotus black:focus-visible:text-true-black black:focus-visible:outline-state-focus black:focus-visible:outline-(length:--border-m) white:bg-true-white white:text-true-black white:pl-fixed-2xl white:py-fixed-sm white:pr-fixed-sm white:rounded-round white:gap-x-fixed-2xl white:xl:w-auto white:w-full white:hover:bg-lotus white:hover:text-true-black white:focus-visible:bg-lotus white:focus-visible:text-true-black white:focus-visible:outline-state-focus white:focus-visible:outline-(length:--border-m) yellow\" rel=\"noopener noreferrer\" aria-label=\"Talk to an advisor\" href=\"https:\/\/www.myhighstreet.com\/contact\" target=\"_self\"\u003eTalk to an advisor\u003c\/a\u003e and schedule a visit.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltedaee6e9d6a8b99f\/68f148cbaaf1bc73fd6f8466\/smartphone.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltedaee6e9d6a8b99f\/68f148cbaaf1bc73fd6f8466\/smartphone.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltedaee6e9d6a8b99f\/68f148cbaaf1bc73fd6f8466\/smartphone.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eDistracted driving\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eA momentary distraction can lead to a crash that injures your team, damages your vehicle and stalls your operations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt4ade7606aaad466e\/68f137a469289a3c08483e25\/shield-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt4ade7606aaad466e\/68f137a469289a3c08483e25\/shield-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt4ade7606aaad466e\/68f137a469289a3c08483e25\/shield-x.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eUninsured motorists\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eCollisions with uninsured or underinsured drivers can leave you paying repair and injury costs on your own.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcff349fb37f3bd4d\/68f137ac7d617671bec6d34c\/truck.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcff349fb37f3bd4d\/68f137ac7d617671bec6d34c\/truck.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcff349fb37f3bd4d\/68f137ac7d617671bec6d34c\/truck.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eVehicle theft\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eStolen work trucks or tools can stop deliveries, delay projects and cost thousands in lost revenue.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt5086d1e84afc2254\/68f1377fd8250e614741ff22\/cloud-rain-wind.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt5086d1e84afc2254\/68f1377fd8250e614741ff22\/cloud-rain-wind.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt5086d1e84afc2254\/68f1377fd8250e614741ff22\/cloud-rain-wind.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eWeather damage\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eHail, flooding and icy roads can total a vehicle or cause serious downtime if your vehicles are not covered.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt71b585dd7b01152a\/68f139d4aaf1bc8f576f840f\/user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt71b585dd7b01152a\/68f139d4aaf1bc8f576f840f\/user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt71b585dd7b01152a\/68f139d4aaf1bc8f576f840f\/user.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eEmployee accidents\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eEven careful drivers make mistakes. One slip in judgment can trigger lawsuits and costly repairs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt76eb21ea0bb223a8\/68f139d4b39c069a4eeb5eca\/wrench.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt76eb21ea0bb223a8\/68f139d4b39c069a4eeb5eca\/wrench.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt76eb21ea0bb223a8\/68f139d4b39c069a4eeb5eca\/wrench.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eUnexpected breakdowns\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eAdded roadside assistance will support you when something goes wrong with your vehicle anywhere.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"High Street Insurance Partners","offers":[{"title":"Default Title","offer_id":47343984869606,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/Screenshot_2026-02-03_151314.png?v=1770150177"},{"product_id":"highstreet-insurance-captives-alternative-risk","title":"HighStreet Insurance Captives \u0026 Alternative Risk","description":"\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003ch1 class=\"doctor-dom\"\u003e\u003cspan\u003eCaptives \u0026amp; Alternative Risk\u003c\/span\u003e\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp class=\"text-body-md mt-lg text-text-body\"\u003e\u003cspan\u003eForm your own captive insurance subsidiary to manage coverage, costs and claims on your terms to gain control that standard carriers can’t match.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\n\u003ch2 class=\"text-headline-2 mb-sm\"\u003eKeep unusual risks at bay.\u003c\/h2\u003e\n\u003cp class=\"text-body-md mb-fixed-2xl\"\u003eSome losses are rare but costly. A captive helps you prepare for large or unusual risks so you can recover faster and stay in control of your coverage and claims.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and a representative will contact you to take you to the final step of your buying process.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca href=\"https:\/\/www.myhighstreet.com\/contact\" aria-label=\"Talk to an advisor\" rel=\"noopener noreferrer\" class=\"inline-flex items-center justify-between leading-button--line-height text-button cursor-pointer transition-colors duration-250 linear whitespace-nowrap pl-fixed-2xl py-fixed-sm pr-fixed-sm rounded-round gap-x-fixed-2xl xl:w-auto w-full focus-visible:outline-(length:--border-m) focus-visible:outline-offset-1 yellow:bg-lotus yellow:text-true-black yellow:pl-fixed-2xl yellow:py-fixed-sm yellow:pr-fixed-sm yellow:rounded-round yellow:gap-x-fixed-2xl yellow:w-full yellow:xl:w-auto yellow:hover:bg-true-black yellow:hover:text-true-white yellow:focus-visible:bg-true-black yellow:focus-visible:text-true-white yellow:focus-visible:outline-state-focus yellow:focus-visible:outline-(length:--border-m) yellow:focus-visible:outline-offset-1 theme-partner:bg-true-white theme-partner:hover:bg-lotus theme-partner:hover:text-true-black theme-partner:focus-visible:bg-lotus theme-partner:focus-visible:text-true-black black:bg-true-black black:text-true-white black:pl-fixed-2xl black:py-fixed-sm black:pr-fixed-sm black:rounded-round black:gap-x-fixed-2xl black:xl:w-auto black:w-full black:hover:bg-lotus black:hover:text-true-black black:focus-visible:bg-lotus black:focus-visible:text-true-black black:focus-visible:outline-state-focus black:focus-visible:outline-(length:--border-m) white:bg-true-white white:text-true-black white:pl-fixed-2xl white:py-fixed-sm white:pr-fixed-sm white:rounded-round white:gap-x-fixed-2xl white:xl:w-auto white:w-full white:hover:bg-lotus white:hover:text-true-black white:focus-visible:bg-lotus white:focus-visible:text-true-black white:focus-visible:outline-state-focus white:focus-visible:outline-(length:--border-m) yellow\" target=\"_self\"\u003eTalk to an advisor\u003c\/a\u003e and schedule a visit.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcaf21dda28980fbe\/68f1377f840c54c092ae832a\/cross.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcaf21dda28980fbe\/68f1377f840c54c092ae832a\/cross.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltcaf21dda28980fbe\/68f1377f840c54c092ae832a\/cross.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eCatastrophic injury claim\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eA single severe accident can trigger a lawsuit and medical costs that strain cash flow and threaten growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf4b2434e951d1175\/68f1377fb39c06869eeb5eaa\/biohazard.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf4b2434e951d1175\/68f1377fb39c06869eeb5eaa\/biohazard.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltf4b2434e951d1175\/68f1377fb39c06869eeb5eaa\/biohazard.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003ePollution or spill event\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eA spill or release can lead to cleanup costs and third-party claims that are difficult to insure in the open market.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt362aa81afbd95d03\/68f137a4b39c06a905eb5eb2\/shield-alert.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt362aa81afbd95d03\/68f137a4b39c06a905eb5eb2\/shield-alert.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt362aa81afbd95d03\/68f137a4b39c06a905eb5eb2\/shield-alert.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eData breach or ransom\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eAttackers can lock systems, steal records and halt operations, leading to recovery costs and lost revenue.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt7a0e067914054924\/69024a8bff80c5354af2d73f\/trending-up.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt7a0e067914054924\/69024a8bff80c5354af2d73f\/trending-up.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt7a0e067914054924\/69024a8bff80c5354af2d73f\/trending-up.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eHealth plan cost spikes\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eA surge in employee health claims can push benefit costs higher and strain budgets.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt56ed6f08bd0b4328\/69024acf55ad35fbe89caf8a\/dollar-sign.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt56ed6f08bd0b4328\/69024acf55ad35fbe89caf8a\/dollar-sign.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt56ed6f08bd0b4328\/69024acf55ad35fbe89caf8a\/dollar-sign.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eFraud or financial crime\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eInsider theft, wire fraud or chargebacks can drain funds and disrupt cash flow.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-poster-list w-full bg-soft-white py-fixed-2xl xl:px-3xl px-md\"\u003e\n\u003cdiv class='w-full mx-auto container-grid max-w-[calc(var(--breakpoint-4xl)-var(--spacing-grid-margin-lg)*2)] xl:py-4xl py-3xl bg-background-accent-3 rounded-loose container-grid grid-flow-row-dense\"'\u003e\n\u003ch2 class=\"text-headline-3 text-true-black xl:col-span-6 col-span-5\"\u003eOur captives \u0026amp; alternative risk options can cover\u003c\/h2\u003e\n\u003cul class=\"xl:col-span-5 row-span-2 col-span-5 xl:col-start-9 xl:mt-[0] mt-4xl space-y-fixed-lg mb-fixed-lg xl:mb-fixed-0 xl:flex xl:flex-wrap xl:gap-x-grid-gutter-lg\"\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eAuto Liability\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eCredit risk or financial crime\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eCyber Liability\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eEmployee Benefits\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eEnvironmental Liability\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003ePhysical damage\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eTerrorism\u003c\/span\u003e\u003c\/li\u003e\n\u003cli class=\"text-body-md xl:w-[40%]\"\u003e\u003cspan\u003eWorkers’ Compensation\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"High Street Insurance Partners","offers":[{"title":"Default Title","offer_id":47343985983718,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/Screenshot_2026-02-03_151314.png?v=1770150177"},{"product_id":"highstreet-insurance-business-owner-s-policy","title":"HighStreet Insurance Business Owner’s Policy","description":"\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-2 xl:col-span-10\"\u003e\n\u003ch1 class=\"doctor-dom\"\u003e\u003cspan\u003eCaptives \u0026amp; Alternative Risk\u003c\/span\u003e\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp class=\"text-body-md mt-lg text-text-body\"\u003e\u003cspan\u003eWith one policy that combines property, liability and business interruption protection, we make insuring your premises more affordable.\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"relative z-1 col-start-1 col-span-full xl:col-start-3 xl:col-span-8 2xl:col-start-4 2xl:col-span-6\"\u003e\n\u003ch2 class=\"text-headline-2 mb-sm\"\u003eKeep your business standing strong.\u003c\/h2\u003e\n\u003cp class=\"text-body-md mb-fixed-2xl\"\u003eWhen you’re fully insured against unexpected incidents, you can recover faster and continue to focus on growth even if something unfortunate occurs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and a representative will contact you to take you to the final step of your buying process.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca class=\"inline-flex items-center justify-between leading-button--line-height text-button cursor-pointer transition-colors duration-250 linear whitespace-nowrap pl-fixed-2xl py-fixed-sm pr-fixed-sm rounded-round gap-x-fixed-2xl xl:w-auto w-full focus-visible:outline-(length:--border-m) focus-visible:outline-offset-1 yellow:bg-lotus yellow:text-true-black yellow:pl-fixed-2xl yellow:py-fixed-sm yellow:pr-fixed-sm yellow:rounded-round yellow:gap-x-fixed-2xl yellow:w-full yellow:xl:w-auto yellow:hover:bg-true-black yellow:hover:text-true-white yellow:focus-visible:bg-true-black yellow:focus-visible:text-true-white yellow:focus-visible:outline-state-focus yellow:focus-visible:outline-(length:--border-m) yellow:focus-visible:outline-offset-1 theme-partner:bg-true-white theme-partner:hover:bg-lotus theme-partner:hover:text-true-black theme-partner:focus-visible:bg-lotus theme-partner:focus-visible:text-true-black black:bg-true-black black:text-true-white black:pl-fixed-2xl black:py-fixed-sm black:pr-fixed-sm black:rounded-round black:gap-x-fixed-2xl black:xl:w-auto black:w-full black:hover:bg-lotus black:hover:text-true-black black:focus-visible:bg-lotus black:focus-visible:text-true-black black:focus-visible:outline-state-focus black:focus-visible:outline-(length:--border-m) white:bg-true-white white:text-true-black white:pl-fixed-2xl white:py-fixed-sm white:pr-fixed-sm white:rounded-round white:gap-x-fixed-2xl white:xl:w-auto white:w-full white:hover:bg-lotus white:hover:text-true-black white:focus-visible:bg-lotus white:focus-visible:text-true-black white:focus-visible:outline-state-focus white:focus-visible:outline-(length:--border-m) yellow\" rel=\"noopener noreferrer\" aria-label=\"Talk to an advisor\" href=\"https:\/\/www.myhighstreet.com\/contact\" target=\"_self\"\u003eTalk to an advisor\u003c\/a\u003e and schedule a visit.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 mb-2xl relative\"\u003e\n\u003cdiv class=\"xl:sticky top-4xl\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\n\u003csection class=\"ui-cards-list w-full bg-transparent\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid max-w-(--breakpoint-4xl) py-4xl\"\u003e\n\u003cdiv class=\"xl:col-span-6 col-span-12 max-2xl:gap-y-2xl gap-y-3xl\"\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltbb9a3f9fa1fcd972\/68f137971f51c92014f54caa\/flame.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltbb9a3f9fa1fcd972\/68f137971f51c92014f54caa\/flame.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltbb9a3f9fa1fcd972\/68f137971f51c92014f54caa\/flame.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eFire or storm damage\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eHelps repair buildings, inventory and equipment after covered events like fire, wind or lightning.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9f80056e08847fe9\/68f13797c19078f0747ef24f\/file-text.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9f80056e08847fe9\/68f13797c19078f0747ef24f\/file-text.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt9f80056e08847fe9\/68f13797c19078f0747ef24f\/file-text.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eCustomer injury claims\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eCovers legal costs and damages if someone is hurt on your premises or because of your business.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blteea76d134b1281cb\/690d02b99b77bda6fb81f820\/settings.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blteea76d134b1281cb\/690d02b99b77bda6fb81f820\/settings.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blteea76d134b1281cb\/690d02b99b77bda6fb81f820\/settings.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eEquipment breakdown\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eAssists in fixing or replacing critical machinery if something fails and interrupts operations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt6b2f8bb211da0d87\/68f137a4c190782f9c7ef255\/store.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt6b2f8bb211da0d87\/68f137a4c190782f9c7ef255\/store.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/blt6b2f8bb211da0d87\/68f137a4c190782f9c7ef255\/store.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eTheft or vandalism\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eReimburses loss of property or inventory after break-ins or intentional damage.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-white p-xl rounded-loose mb-md\"\u003e\n\u003cdiv class=\"relative bg-blossom rounded-full p-fixed-lg inline-block mb-sm\"\u003e\u003cpicture class=\"\"\u003e\u003cimg alt=\"\" loading=\"lazy\" width=\"32\" height=\"32\" decoding=\"async\" data-nimg=\"1\" class=\"\" srcset=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltca7cdbe55362cf0b\/68f137a4840c5432e0ae832e\/screen-share-off.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=32\u0026amp;quality=90 1x, https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltca7cdbe55362cf0b\/68f137a4840c5432e0ae832e\/screen-share-off.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90 2x\" src=\"https:\/\/azure-na-images.contentstack.com\/v3\/assets\/blt02f82ca1f459ac46\/bltca7cdbe55362cf0b\/68f137a4840c5432e0ae832e\/screen-share-off.svg?branch=production\u0026amp;height=32\u0026amp;format=auto\u0026amp;width=64\u0026amp;quality=90\"\u003e\u003c\/picture\u003e\u003c\/div\u003e\n\u003ch3 class=\"line-clamp-2 mb-sm text-headline-4\"\u003eBusiness interruption\u003c\/h3\u003e\n\u003cp class=\"text-body-md\"\u003eReplaces lost income and takes care of expenses while repairs are underway after a covered loss.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ui-poster-details w-full bg-transparent xl:px-lg px-md py-0\"\u003e\n\u003cdiv class=\"w-full mx-auto container-grid--v2 max-w-[calc(var(--breakpoint-4xl)-var(--spacing-grid-margin-lg)*2)] py-3xl bg-background-accent-3 rounded-loose px-md xl:px-3xl relative items-start\"\u003e\n\u003cdiv class=\"doctor-dom\"\u003eOur Business Owner’s Policy includes\u003c\/div\u003e\n\u003cdiv class=\"col-span-full grid grid-cols-subgrid gap-y-3xl mt-3xl\"\u003e\n\u003cdiv class=\"grid grid-rows-subgrid grid-cols-subgrid gap-y-sm 2xl:col-span-4 lg:col-span-6 col-span-full row-span-2\"\u003e\n\u003cdiv class=\"doctor-dom\"\u003eCommercial Property Insurance\u003c\/div\u003e\n\u003cdiv class=\"col-span-full 2xl:col-span-3 text-true-black\"\u003e\n\u003cp class=\"text-body-md\"\u003eRepair or replace buildings, inventory and other assets, and cover loss of income and ongoing expenses.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"grid grid-rows-subgrid grid-cols-subgrid gap-y-sm 2xl:col-span-4 lg:col-span-6 col-span-full row-span-2\"\u003e\n\u003cdiv class=\"doctor-dom\"\u003eGeneral\u003cbr\u003eLiability\u003cbr\u003eInsurance\u003c\/div\u003e\n\u003cdiv class=\"col-span-full 2xl:col-span-3 text-true-black\"\u003e\n\u003cp class=\"text-body-md\"\u003eProtection from financial loss resulting from claims due to physical or other injury caused by you or your employees.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"grid grid-rows-subgrid grid-cols-subgrid gap-y-sm 2xl:col-span-4 lg:col-span-6 col-span-full row-span-2\"\u003e\n\u003cdiv class=\"doctor-dom\"\u003eBusiness Interruption Insurance\u003c\/div\u003e\n\u003cdiv class=\"col-span-full 2xl:col-span-3 text-true-black\"\u003e\n\u003cp class=\"text-body-md\"\u003eHelp replace lost revenue in the event that your business has to shut down due to fire, wind damage or other covered losses.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"High Street Insurance Partners","offers":[{"title":"Default Title","offer_id":47344106078438,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/Screenshot_2026-02-03_151314.png?v=1770150177"},{"product_id":"indiana-farmers-insurance-commercial-auto-policy","title":"Indiana Farmers Insurance Commercial Auto Policy","description":"\u003ch1\u003e\u003cspan class=\"field field--name-title field--type-string field--label-hidden\"\u003eCommercial Auto\u003c\/span\u003e\u003c\/h1\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003cp\u003eWhether or not you own company vehicles, you'll need liability coverage for any business-related driving.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cp\u003eLocated at \u003cspan\u003e10 W 106th St, Indianapolis, IN 46290\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and you’ll be able to speak directly with a Bird Dawg Network representative to finalize your deal. It’s that simple.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca rel=\"noopener\" href=\"https:\/\/www.indianafarmers.com\/about-us\/contact-us\" target=\"_blank\"\u003econtact us\u003c\/a\u003e for any questions and compare options on your terms.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cdiv class=\"paragraph paragraph--type--customized-coverage paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003ch2\u003eWhat's Under the Hood of a Commercial Auto Policy?\u003c\/h2\u003e\n\u003cp\u003eAll businesses should have some type of Commercial Auto insurance. If you own one, two, or a fleet of vehicles, you need full coverage. If you don’t have any company-owned vehicles, you may still be liable for employees using personal vehicles to visit job sites, make sales calls, or run company errands - you need hired \u0026amp; non-owned auto coverage. The good news is you can easily customize the policy to provide you with exactly what’s needed to cover your company’s specific risks. This includes:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003ch3\u003eBodily Injury \u0026amp; Property Damage\u003c\/h3\u003e\n\u003cp\u003eThis liability coverage pays for defense costs and settlements up to the amount of coverage in the policy for damage you cause to another person or their property. The amount of coverage you buy will depend on how much you need to properly protect your assets.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003ch3\u003eMedical Payments\u003c\/h3\u003e\n\u003cp\u003ePays for reasonable medical expenses if you or your passengers are injured and not in the course of employment.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003ch3\u003eUninsured or Underinsured Motorists\u003c\/h3\u003e\n\u003cp\u003ePays for your injuries if the other driver has no insurance or not enough coverage. Unfortunately, this is very common. According to the Insurance Research Council, one in seven drivers goes without insurance.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003ch3\u003eComprehensive\u003c\/h3\u003e\n\u003cp\u003eCovers theft of your vehicle and property damage to your vehicle from vandalism, flood, fire, etc.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003ch3\u003eCollision\u003c\/h3\u003e\n\u003cp\u003ePays for damage to your vehicle if you’re in an accident or it’s hit by another object.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003ch3\u003eHired \u0026amp; Non-Owned Auto\u003c\/h3\u003e\n\u003cp\u003eProvides coverage for vehicles you rent and if your employees are using their cars for business. Pays for medical bills, dam\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"paragraph paragraph--type--content-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-content-reference field--type-entity-reference field--label-hidden field__items\"\u003e\n\u003cdiv class=\"field__item\"\u003e\n\u003carticle class=\"node node--type-testimonial node--view-mode-default\"\u003e\u003c\/article\u003e\n\u003cbr\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cdiv class=\"node__content\"\u003e\n\u003cdiv class=\"field field--name-field-paragraphs field--type-entity-reference-revisions field--label-hidden\"\u003e\n\u003cdiv class=\"paragraph paragraph--type--media-container paragraph--view-mode--default items-3\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003ch3\u003ecall us: \u003ca data-ved=\"2ahUKEwihp5Ty-YGSAxVmTTABHcpcKK8QkAgoAHoECD4QAw\" href=\"https:\/\/www.google.com\/search?q=indiana+farmers+insurance\u0026amp;sca_esv=78e6f61af8104fa1\u0026amp;source=hp\u0026amp;ei=YsliafiPN5mJwbkPq9_P-AI\u0026amp;iflsig=AFdpzrgAAAAAaWLXcv_FQiJ-wbGgqa8ndmtuegLzAcFN\u0026amp;ved=0ahUKEwj4yKXr-YGSAxWZRDABHavvEy8Q4dUDCBQ\u0026amp;uact=5\u0026amp;oq=indiana+farmers+insurance\u0026amp;gs_lp=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-SBwQ0LjI5oAfptgKyBwQwLjI5uAfSG8IHCDItMzIuMC4xyAe-AYAIAA\u0026amp;sclient=gws-wiz\u0026amp;sei=ccliaf6yBZCFwbkPwov5yAQ#\" data-local-attribute=\"d3ph\" data-dtype=\"d3ph\"\u003e\u003cspan aria-label=\"Call phone number +1 800-477-1660\"\u003e1 800-477-1660\u003c\/span\u003e\u003c\/a\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"paragraph paragraph--type--block-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-block-reference field--type-entity-reference field--label-hidden field__item\"\u003e\n\u003cdiv id=\"block-insuranceblock\" class=\"block block-block-content block-block-contente5fd7217-8adc-4d37-8541-a8a960a94b4f\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item\"\u003e\n\u003cdiv class=\"tg--desclaimer-text\"\u003e\n\u003cp\u003eInsurance products are subject to terms, conditions and exclusions not described on this Website. The information on this Website concerning insurance policies and other products is intended to give you an overview of the policies and products offered by Indiana Farmers Insurance. None of the information—including any policy or product description—constitutes an insurance policy. The policy contains the specific details of the coverages, terms, conditions and exclusions. Coverages and their availability may vary by state.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"paragraph paragraph--type--content-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-content-reference field--type-entity-reference field--label-hidden field__items\"\u003e\n\u003cdiv class=\"field__item\"\u003e\n\u003carticle class=\"node node--type-cta node--view-mode-default\"\u003e\n\u003cdiv class=\"node__content__agent-finder node__content\"\u003e\u003cform class=\"views-exposed-form views-exposed-agents-form\" data-drupal-selector=\"views-exposed-form-agents-block\" action=\"https:\/\/www.indianafarmers.com\/find-an-agent\" method=\"get\" id=\"views-exposed-form-agents-block\" data-once=\"dealer-form\"\u003e\n\u003cdiv class=\"form--inline clearfix\"\u003e\n\u003cdiv class=\"views-exposed-agents-wrapper\"\u003e\n\u003cdiv id=\"edit-tid--3\" class=\"form-radios\"\u003e\n\u003cdiv class=\"js-form-item form-item js-form-type-radio form-type-radio js-form-item-tid form-item-tid\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/form\u003e\u003c\/div\u003e\n\u003c\/article\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp\u003e \u003c\/p\u003e","brand":"Indiana Farmers Mutual Insurance Group","offers":[{"title":"Default Title","offer_id":47363204481254,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/ifi-logo.png?v=1768081959"},{"product_id":"indiana-farmers-insurance-inland-marine","title":"Indiana Farmers Insurance Inland Marine","description":"\u003ch1\u003e\u003cspan class=\"field field--name-title field--type-string field--label-hidden\"\u003eInland Marine\u003c\/span\u003e\u003c\/h1\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003cp\u003eFor a business that's on the move, inland marine protects your property while off-site or in transit. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003cp\u003eLocated at \u003cspan\u003e10 W 106th St, Indianapolis, IN 46290\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and you’ll be able to speak directly with a Bird Dawg Network representative to finalize your deal. It’s that simple.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca href=\"https:\/\/www.indianafarmers.com\/about-us\/contact-us\" rel=\"noopener\" target=\"_blank\"\u003econtact us\u003c\/a\u003e for any questions and compare options on your terms.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cdiv class=\"paragraph paragraph--type--customized-coverage paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003ch2\u003e\n\u003cstrong\u003eSafeguard Property on the Move\u003c\/strong\u003e \u003c\/h2\u003e\n\u003cp\u003eYou protect your business furnishings, equipment and inventory from damage or theft with property coverage under a \u003ca href=\"https:\/\/www.indianafarmers.com\/insurance\/business\/business-owners-policy\" data-entity-type=\"node\" data-entity-uuid=\"252a99ac-f514-4b57-8194-8b59fb1ed5a7\" data-entity-substitution=\"canonical\" title=\"Business Owners Policy\"\u003eBusiness Owners Policy\u003c\/a\u003e or \u003ca href=\"https:\/\/www.indianafarmers.com\/insurance\/business\/commercial-package-policy\" data-entity-type=\"node\" data-entity-uuid=\"6d02b164-6080-446e-b6ec-6cf3dd6f2150\" data-entity-substitution=\"canonical\" title=\"Commercial Package Policy\"\u003eCommercial Package Policy\u003c\/a\u003e. These are all things that are fixed within your office space. But what about equipment, tools and other items that go off premises, that move around? They can be easily damaged while you’re working off site or while in transit.\u003cbr\u003e \u003cbr\u003eFor example, contractors use and operate expensive tools and equipment on job sites. This includes backhoes, scaffolding, portable generators, bulldozers, etc. Photographers haul around cameras and accessories while on photo shoots. Catering businesses bring serving plates, portable ovens, tables, and chairs to different venues and locations. Computer consulting firms bring laptops to their customers’ offices to perform their work. When exhibiting at a tradeshow, valuable items are shipped to the event location. In any of these cases, you need Inland Marine insurance to cover property that “travels.”\u003cbr\u003e \u003cbr\u003e\u003cstrong\u003eDifferent Policies Available\u003c\/strong\u003e\u003cbr\u003e \u003cbr\u003eThere are number of Inland Marine policies available. These policies cover property that moves around, in transit and in your temporary care as well as unique or valuable property. Here are just some of the types of policies we offer:\u003cbr\u003e \u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eContractors Equipment Coverage\u003c\/strong\u003e. Covers property that “floats” – moves from one location to another. You can provide a list of the equipment to be covered or choose blanket coverage, which will insure all items even if they are not on the list.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBailee’s Customer Coverage\u003c\/strong\u003e. Protects a client’s property left in your care. This works, for example, for a watch or upholstery repair shop.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBuilder’s Risk\u003c\/strong\u003e. Protects structures and materials during new construction projects or renovations.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eExhibition and Fine Art Coverage\u003c\/strong\u003e. Protects valuable items while on exhibit, in transit or on loan.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eInstallation Floater\u003c\/strong\u003e. Covers materials from the moment they are loaded onto a truck until they are put to use or installed.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"paragraph paragraph--type--content-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-content-reference field--type-entity-reference field--label-hidden field__items\"\u003e\n\u003cdiv class=\"field__item\"\u003e\n\u003carticle class=\"node node--type-testimonial node--view-mode-default\"\u003e\u003c\/article\u003e\n\u003cbr\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cdiv class=\"node__content\"\u003e\n\u003cdiv class=\"field field--name-field-paragraphs field--type-entity-reference-revisions field--label-hidden\"\u003e\n\u003cdiv class=\"paragraph paragraph--type--media-container paragraph--view-mode--default items-3\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003ch3\u003ecall us: \u003ca data-dtype=\"d3ph\" data-local-attribute=\"d3ph\" href=\"https:\/\/www.google.com\/search?q=indiana+farmers+insurance\u0026amp;sca_esv=78e6f61af8104fa1\u0026amp;source=hp\u0026amp;ei=YsliafiPN5mJwbkPq9_P-AI\u0026amp;iflsig=AFdpzrgAAAAAaWLXcv_FQiJ-wbGgqa8ndmtuegLzAcFN\u0026amp;ved=0ahUKEwj4yKXr-YGSAxWZRDABHavvEy8Q4dUDCBQ\u0026amp;uact=5\u0026amp;oq=indiana+farmers+insurance\u0026amp;gs_lp=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-SBwQ0LjI5oAfptgKyBwQwLjI5uAfSG8IHCDItMzIuMC4xyAe-AYAIAA\u0026amp;sclient=gws-wiz\u0026amp;sei=ccliaf6yBZCFwbkPwov5yAQ#\" data-ved=\"2ahUKEwihp5Ty-YGSAxVmTTABHcpcKK8QkAgoAHoECD4QAw\"\u003e\u003cspan aria-label=\"Call phone number +1 800-477-1660\"\u003e1 800-477-1660\u003c\/span\u003e\u003c\/a\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"paragraph paragraph--type--block-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-block-reference field--type-entity-reference field--label-hidden field__item\"\u003e\n\u003cdiv class=\"block block-block-content block-block-contente5fd7217-8adc-4d37-8541-a8a960a94b4f\" id=\"block-insuranceblock\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item\"\u003e\n\u003cdiv class=\"tg--desclaimer-text\"\u003e\n\u003cp\u003eInsurance products are subject to terms, conditions and exclusions not described on this Website. The information on this Website concerning insurance policies and other products is intended to give you an overview of the policies and products offered by Indiana Farmers Insurance. None of the information—including any policy or product description—constitutes an insurance policy. The policy contains the specific details of the coverages, terms, conditions and exclusions. Coverages and their availability may vary by state.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"paragraph paragraph--type--content-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-content-reference field--type-entity-reference field--label-hidden field__items\"\u003e\n\u003cdiv class=\"field__item\"\u003e\n\u003carticle class=\"node node--type-cta node--view-mode-default\"\u003e\n\u003cdiv class=\"node__content__agent-finder node__content\"\u003e\u003cform data-once=\"dealer-form\" id=\"views-exposed-form-agents-block\" method=\"get\" action=\"https:\/\/www.indianafarmers.com\/find-an-agent\" data-drupal-selector=\"views-exposed-form-agents-block\" class=\"views-exposed-form views-exposed-agents-form\"\u003e\n\u003cdiv class=\"form--inline clearfix\"\u003e\n\u003cdiv class=\"views-exposed-agents-wrapper\"\u003e\n\u003cdiv class=\"form-radios\" id=\"edit-tid--3\"\u003e\n\u003cdiv class=\"js-form-item form-item js-form-type-radio form-type-radio js-form-item-tid form-item-tid\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/form\u003e\u003c\/div\u003e\n\u003c\/article\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp\u003e \u003c\/p\u003e","brand":"Indiana Farmers Mutual Insurance Group","offers":[{"title":"Default Title","offer_id":47363210248422,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/ifi-logo.png?v=1768081959"},{"product_id":"indiana-farmers-insurance-workers-compensation","title":"Indiana Farmers Insurance Workers Compensation","description":"\u003ch1\u003e\u003cspan class=\"field field--name-title field--type-string field--label-hidden\"\u003eWorkers Compensation\u003c\/span\u003e\u003c\/h1\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003cp\u003eProvide your employees with the safety net they deserve, while protecting your business from liability. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003cp\u003eLocated at \u003cspan\u003e10 W 106th St, Indianapolis, IN 46290\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and you’ll be able to speak directly with a Bird Dawg Network representative to finalize your deal. It’s that simple.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca rel=\"noopener\" href=\"https:\/\/www.indianafarmers.com\/about-us\/contact-us\" target=\"_blank\"\u003econtact us\u003c\/a\u003e for any questions and compare options on your terms.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cdiv class=\"paragraph paragraph--type--customized-coverage paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003ch2\u003e\n\u003cstrong\u003eWorkers Comp: A Safety Net for Your Employees \u0026amp; Business\u003c\/strong\u003e \u003c\/h2\u003e\n\u003cp\u003eWorkers Compensation insurance is an operating expense for all businesses. If you have employees (even if they are family members), you need to buy Workers Comp. It pays for medical bills, recovery costs, and lost wages to employees for on-the-job injuries and illnesses. Medical bills can include the cost of doctors’ visits, hospital bills, prescriptions, and prosthetic devices. If an employee dies, it will cover funeral costs and benefits to the worker’s family.\u003cbr\u003e \u003cbr\u003eCommon employee injuries occur from being struck by an object, slips and falls, lifting, repetitive motion, car accidents, and exposure to harmful substances. Of course, certain industries have a higher rate of employee injuries because of the nature of the job. This includes construction, manufacturing, and healthcare.\u003cbr\u003e \u003cbr\u003e\u003cstrong\u003eGetting a Grip on Workers Comp Costs\u003c\/strong\u003e\u003cbr\u003e\u003cbr\u003eThe cost of Workers Compensation depends on your industry, how many employees you have, the type of work your employees do, your payroll, and claims history. Be sure your employees are classified correctly. A salesperson, for example, is classified differently than a person working with equipment on the factory floor. This will impact the cost of your coverage.\u003cbr\u003e\u003cbr\u003eSince your claims history, including how it compares to other businesses in your industry sector, is an important factor in determining your premium, preventing injuries and accidents is key in keeping your insurance costs down. Here are some of the things you should consider:\u003cbr\u003e \u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eHaving strong hiring practices and screening processes\u003c\/strong\u003e. Businesses with better hiring and onboarding programs tend to have a better Workers Comp experience. Check the MVRs of drivers and perform employee background checks and drug tests. Be sure to follow state and federal laws when it comes to hiring and screening procedures.\u003cbr\u003e \u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eTaking a serious approach to safety\u003c\/strong\u003e. Putting safety first really pays off for companies. You’ll not only have healthier and more productive workers, you’ll also reduce the odds of having workplace accidents and injuries. If your operation requires employees to put on protective eyewear like goggles or any other type of safety equipment, be sure they do so. If safety guards should be used on certain equipment, make sure this is done – even if it means the job won’t get done as fast.\u003cbr\u003e \u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eImplementing a no texting while driving policy.\u003c\/strong\u003e Employees using company vehicles or their own cars while on company business should sign off on a hands-free driving policy. Reward employees for safe driving. This can be in the form of a cash bonus or time off.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cdiv class=\"node__content\"\u003e\n\u003cdiv class=\"field field--name-field-paragraphs field--type-entity-reference-revisions field--label-hidden\"\u003e\n\u003cdiv class=\"paragraph paragraph--type--media-container paragraph--view-mode--default items-3\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003ch3\u003ecall us: \u003ca data-ved=\"2ahUKEwihp5Ty-YGSAxVmTTABHcpcKK8QkAgoAHoECD4QAw\" href=\"https:\/\/www.google.com\/search?q=indiana+farmers+insurance\u0026amp;sca_esv=78e6f61af8104fa1\u0026amp;source=hp\u0026amp;ei=YsliafiPN5mJwbkPq9_P-AI\u0026amp;iflsig=AFdpzrgAAAAAaWLXcv_FQiJ-wbGgqa8ndmtuegLzAcFN\u0026amp;ved=0ahUKEwj4yKXr-YGSAxWZRDABHavvEy8Q4dUDCBQ\u0026amp;uact=5\u0026amp;oq=indiana+farmers+insurance\u0026amp;gs_lp=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-SBwQ0LjI5oAfptgKyBwQwLjI5uAfSG8IHCDItMzIuMC4xyAe-AYAIAA\u0026amp;sclient=gws-wiz\u0026amp;sei=ccliaf6yBZCFwbkPwov5yAQ#\" data-local-attribute=\"d3ph\" data-dtype=\"d3ph\"\u003e\u003cspan aria-label=\"Call phone number +1 800-477-1660\"\u003e1 800-477-1660\u003c\/span\u003e\u003c\/a\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"paragraph paragraph--type--block-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-block-reference field--type-entity-reference field--label-hidden field__item\"\u003e\n\u003cdiv id=\"block-insuranceblock\" class=\"block block-block-content block-block-contente5fd7217-8adc-4d37-8541-a8a960a94b4f\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item\"\u003e\n\u003cdiv class=\"tg--desclaimer-text\"\u003e\n\u003cp\u003eInsurance products are subject to terms, conditions and exclusions not described on this Website. The information on this Website concerning insurance policies and other products is intended to give you an overview of the policies and products offered by Indiana Farmers Insurance. None of the information—including any policy or product description—constitutes an insurance policy. The policy contains the specific details of the coverages, terms, conditions and exclusions. Coverages and their availability may vary by state.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"paragraph paragraph--type--content-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-content-reference field--type-entity-reference field--label-hidden field__items\"\u003e\n\u003cdiv class=\"field__item\"\u003e\n\u003carticle class=\"node node--type-cta node--view-mode-default\"\u003e\n\u003cdiv class=\"node__content__agent-finder node__content\"\u003e\u003cform class=\"views-exposed-form views-exposed-agents-form\" data-drupal-selector=\"views-exposed-form-agents-block\" action=\"https:\/\/www.indianafarmers.com\/find-an-agent\" method=\"get\" id=\"views-exposed-form-agents-block\" data-once=\"dealer-form\"\u003e\n\u003cdiv class=\"form--inline clearfix\"\u003e\n\u003cdiv class=\"views-exposed-agents-wrapper\"\u003e\n\u003cdiv id=\"edit-tid--3\" class=\"form-radios\"\u003e\n\u003cdiv class=\"js-form-item form-item js-form-type-radio form-type-radio js-form-item-tid form-item-tid\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/form\u003e\u003c\/div\u003e\n\u003c\/article\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp\u003e \u003c\/p\u003e","brand":"Indiana Farmers Mutual Insurance Group","offers":[{"title":"Default Title","offer_id":47363217359078,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/ifi-logo.png?v=1768081959"},{"product_id":"indiana-farmers-insurance-commercial-package-policy","title":"Indiana Farmers Insurance Commercial Package Policy","description":"\u003ch1\u003e\u003cspan class=\"field field--name-title field--type-string field--label-hidden\"\u003eCommercial Package Policy\u003c\/span\u003e\u003c\/h1\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003cp\u003eFor larger businesses with greater risk. Build a custom package that fits your unique needs\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cp\u003e\u003cspan style=\"font-size: 0.875rem;\"\u003e \u003c\/span\u003eLocated at \u003cspan\u003e10 W 106th St, Indianapolis, IN 46290\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and you’ll be able to speak directly with a Bird Dawg Network representative to finalize your deal. It’s that simple.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca rel=\"noopener\" href=\"https:\/\/www.indianafarmers.com\/about-us\/contact-us\" target=\"_blank\"\u003econtact us\u003c\/a\u003e for any questions and compare options on your terms.\u003c\/h3\u003e\n\u003ch3 data-sentry-source-file=\"p.tsx\" data-sentry-component=\"P\" class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cdiv class=\"paragraph paragraph--type--customized-coverage paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003cdiv class=\"paragraph paragraph--type--customized-coverage paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003ch2\u003e\u003cstrong\u003eInside a Commercial Package Policy\u003c\/strong\u003e\u003c\/h2\u003e\n\u003cp\u003eIn choosing the right insurance for your business, you need to look at certain factors. This includes the size of your business and the services or products you offer. You can buy lots of separate policies to cover your different risks. Or, you can choose between two different package policies that bundle coverage all in one.\u003cbr\u003e \u003cbr\u003eA \u003ca data-entity-substitution=\"canonical\" data-entity-type=\"node\" data-entity-uuid=\"252a99ac-f514-4b57-8194-8b59fb1ed5a7\" href=\"https:\/\/www.indianafarmers.com\/insurance\/business\/business-owners-policy\" title=\"Business Owners Policy\"\u003eBusiness Owners Policy (BOP)\u003c\/a\u003e may make sense if you are a small to mid-size company with low risks. But, if you are a larger company with greater risks, the Commercial Package Policy (CPP) may be right for you. Manufacturing firms, industrial and processing risks, specialized contracting risks and other more complex risks, for example, are better suited and eligible for a CPP.\u003cbr\u003e \u003cbr\u003eLook at the BOP as a pre-packaged insurance program, and the CPP as more of a cafeteria-style package where you assemble the parts. With the CPP, you pick and choose what you need and customize the coverages, wording and terms to fit your needs.\u003cbr\u003e \u003cbr\u003e\u003cstrong\u003eHow the CPP Works\u003c\/strong\u003e\u003cbr\u003e \u003cbr\u003eThe CPP can come with liability insurance to protect your business against lawsuits if someone is injured at your business or while using your product. You can also get property insurance to cover damage to your building, equipment, and inventory. From there, you decide what other coverages to add to your protection. This can include:\u003cbr\u003e \u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eBusiness Income.\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eThis replaces lost earnings and covers extra expenses if your business has to close because of property damage, such as a fire, while repairs are being made.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCrime Insurance.\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eCovers losses from burglary, employee dishonesty, and computer fraud.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e\u003ca data-entity-substitution=\"canonical\" data-entity-type=\"node\" data-entity-uuid=\"2050e29c-7b8d-4e3b-ab51-aa0d75897025\" href=\"https:\/\/www.indianafarmers.com\/insurance\/business\/commercial-umbrella\" title=\"Commercial Umbrella\"\u003eCommercial Umbrella\u003c\/a\u003e\u003c\/strong\u003e. Gives you even more liability coverage beyond what you have on your General Liability insurance.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eEmployment Practices Liability.\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eProtects your firm against claims of discrimination, harassment, wrongful termination, and other workplace disputes.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e\u003ca data-entity-substitution=\"canonical\" data-entity-type=\"node\" data-entity-uuid=\"efc33570-e932-451a-a98e-3502c701970a\" href=\"https:\/\/www.indianafarmers.com\/insurance\/business\/inland-marine\" title=\"Inland Marine\"\u003eInland Marine\u003c\/a\u003e\u003c\/strong\u003e. Covers property or goods that move around.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"paragraph paragraph--type--content-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-content-reference field--type-entity-reference field--label-hidden field__items\"\u003e\n\u003cdiv class=\"field__item\"\u003e\n\u003carticle class=\"node node--type-cta node--view-mode-default\"\u003e\n\u003cdiv class=\"node__content__agent-finder node__content\"\u003e\u003cform data-once=\"dealer-form\" id=\"views-exposed-form-agents-block\" method=\"get\" action=\"https:\/\/www.indianafarmers.com\/find-an-agent\" data-drupal-selector=\"views-exposed-form-agents-block\" class=\"views-exposed-form views-exposed-agents-form\"\u003e\n\u003cdiv class=\"form--inline clearfix\"\u003e\n\u003cdiv class=\"views-exposed-agents-wrapper\"\u003e\n\u003cdiv class=\"form-radios\" id=\"edit-tid--2\"\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/form\u003e\u003c\/div\u003e\n\u003c\/article\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cdiv class=\"node__content\"\u003e\n\u003cdiv class=\"field field--name-field-paragraphs field--type-entity-reference-revisions field--label-hidden\"\u003e\n\u003cdiv class=\"paragraph paragraph--type--media-container paragraph--view-mode--default items-3\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003ch3\u003ecall us: \u003ca data-ved=\"2ahUKEwihp5Ty-YGSAxVmTTABHcpcKK8QkAgoAHoECD4QAw\" href=\"https:\/\/www.google.com\/search?q=indiana+farmers+insurance\u0026amp;sca_esv=78e6f61af8104fa1\u0026amp;source=hp\u0026amp;ei=YsliafiPN5mJwbkPq9_P-AI\u0026amp;iflsig=AFdpzrgAAAAAaWLXcv_FQiJ-wbGgqa8ndmtuegLzAcFN\u0026amp;ved=0ahUKEwj4yKXr-YGSAxWZRDABHavvEy8Q4dUDCBQ\u0026amp;uact=5\u0026amp;oq=indiana+farmers+insurance\u0026amp;gs_lp=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-SBwQ0LjI5oAfptgKyBwQwLjI5uAfSG8IHCDItMzIuMC4xyAe-AYAIAA\u0026amp;sclient=gws-wiz\u0026amp;sei=ccliaf6yBZCFwbkPwov5yAQ#\" data-local-attribute=\"d3ph\" data-dtype=\"d3ph\"\u003e\u003cspan aria-label=\"Call phone number +1 800-477-1660\"\u003e1 800-477-1660\u003c\/span\u003e\u003c\/a\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"paragraph paragraph--type--block-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-block-reference field--type-entity-reference field--label-hidden field__item\"\u003e\n\u003cdiv id=\"block-insuranceblock\" class=\"block block-block-content block-block-contente5fd7217-8adc-4d37-8541-a8a960a94b4f\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item\"\u003e\n\u003cdiv class=\"tg--desclaimer-text\"\u003e\n\u003cp\u003eInsurance products are subject to terms, conditions and exclusions not described on this Website. The information on this Website concerning insurance policies and other products is intended to give you an overview of the policies and products offered by Indiana Farmers Insurance. None of the information—including any policy or product description—constitutes an insurance policy. The policy contains the specific details of the coverages, terms, conditions and exclusions. Coverages and their availability may vary by state.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"paragraph paragraph--type--content-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-content-reference field--type-entity-reference field--label-hidden field__items\"\u003e\n\u003cdiv class=\"field__item\"\u003e\n\u003carticle class=\"node node--type-cta node--view-mode-default\"\u003e\n\u003cdiv class=\"node__content__agent-finder node__content\"\u003e\u003cform class=\"views-exposed-form views-exposed-agents-form\" data-drupal-selector=\"views-exposed-form-agents-block\" action=\"https:\/\/www.indianafarmers.com\/find-an-agent\" method=\"get\" id=\"views-exposed-form-agents-block\" data-once=\"dealer-form\"\u003e\n\u003cdiv class=\"form--inline clearfix\"\u003e\n\u003cdiv class=\"views-exposed-agents-wrapper\"\u003e\n\u003cdiv id=\"edit-tid--3\" class=\"form-radios\"\u003e\n\u003cdiv class=\"js-form-item form-item js-form-type-radio form-type-radio js-form-item-tid form-item-tid\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/form\u003e\u003c\/div\u003e\n\u003c\/article\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp\u003e \u003c\/p\u003e","brand":"Indiana Farmers Mutual Insurance Group","offers":[{"title":"Default Title","offer_id":47363232432358,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/ifi-logo.png?v=1768081959"},{"product_id":"indiana-farmers-insurance-business-owners-policy","title":"Indiana Farmers Insurance Business Owners Policy","description":"\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003ch1\u003e\u003cspan class=\"field field--name-title field--type-string field--label-hidden\"\u003eBusiness Owners Policy\u003c\/span\u003e\u003c\/h1\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003cp\u003eProtect your livelihood with a streamlined, cost-saving, broad bundle of coverage.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp\u003e\u003cspan style=\"font-size: 0.875rem;\"\u003e \u003c\/span\u003eLocated at \u003cspan\u003e10 W 106th St, Indianapolis, IN 46290\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eMake your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eAdd this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and you’ll be able to speak directly with a Bird Dawg Network representative to finalize your deal. It’s that simple.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eInstead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or \u003ca href=\"https:\/\/www.indianafarmers.com\/about-us\/contact-us\" rel=\"noopener\" target=\"_blank\"\u003econtact us\u003c\/a\u003e for any questions and compare options on your terms.\u003c\/h3\u003e\n\u003ch3 class=\"mb-1 mt-2 whitespace-pre-line leading-relaxed first:mt-0\" data-sentry-component=\"P\" data-sentry-source-file=\"p.tsx\"\u003eEnjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cdiv class=\"paragraph paragraph--type--customized-coverage paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003cdiv class=\"paragraph paragraph--type--customized-coverage paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003cdiv class=\"paragraph paragraph--type--customized-coverage paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003ch2\u003eWhat's in a BOP?\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003ch3\u003eLiability\u003c\/h3\u003e\n\u003cp\u003eThis part of the policy covers you if you get sued by people who are not your employees. This includes coverage for slip-and-fall injuries that happen to customers and others at your location. \u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003ch3\u003eProperty\u003c\/h3\u003e\n\u003cp\u003eJust as with homeowner's insurance, we cover your building (if you are the owner) and what's inside - furniture, equipment, supplies, etc. If your property is destroyed by fire, your BOP will pay to rebuild or repair the building and replace any lost assets or inventory inside. \u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003ch3\u003eLoss of Business Income\u003c\/h3\u003e\n\u003cp\u003eA BOP pays you for lost income or expenses if you had to shut down due to property damage. This part of the policy will pay for employee salaries - if they continue after the loss, taxes, and other expenses or loss of profits during the downtime. \u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003ch3\u003eCrime \u0026amp; Burglary\u003c\/h3\u003e\n\u003cp\u003eIf your business is burglarized and your computers, office equipment, and other valuable items are stolen, your BOP will cover you up to a certain amount.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"paragraph paragraph--type--content-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-content-reference field--type-entity-reference field--label-hidden field__items\"\u003e\n\u003cdiv class=\"field__item\"\u003e\n\u003carticle class=\"node node--type-cta node--view-mode-default\"\u003e\n\u003cdiv class=\"node__content__agent-finder node__content\"\u003e\u003cform class=\"views-exposed-form views-exposed-agents-form\" data-drupal-selector=\"views-exposed-form-agents-block\" action=\"https:\/\/www.indianafarmers.com\/find-an-agent\" method=\"get\" id=\"views-exposed-form-agents-block\" data-once=\"dealer-form\"\u003e\n\u003cdiv class=\"form--inline clearfix\"\u003e\n\u003cdiv class=\"views-exposed-agents-wrapper\"\u003e\n\u003cdiv id=\"edit-tid--2\" class=\"form-radios\"\u003e\n\u003cdiv class=\"js-form-item form-item js-form-type-radio form-type-radio js-form-item-tid form-item-tid\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/form\u003e\u003c\/div\u003e\n\u003c\/article\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"paragraph paragraph--type--content-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-content-reference field--type-entity-reference field--label-hidden field__items\"\u003e\n\u003cdiv class=\"field__item\"\u003e\n\u003carticle class=\"node node--type-cta node--view-mode-default\"\u003e\n\u003cdiv class=\"node__content__agent-finder node__content\"\u003e\u003cform class=\"views-exposed-form views-exposed-agents-form\" data-drupal-selector=\"views-exposed-form-agents-block\" action=\"https:\/\/www.indianafarmers.com\/find-an-agent\" method=\"get\" id=\"views-exposed-form-agents-block\" data-once=\"dealer-form\"\u003e\n\u003cdiv class=\"form--inline clearfix\"\u003e\n\u003cdiv class=\"views-exposed-agents-wrapper\"\u003e\n\u003cdiv id=\"edit-tid--2\" class=\"form-radios\"\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/form\u003e\u003c\/div\u003e\n\u003c\/article\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cdiv class=\"node__content\"\u003e\n\u003cdiv class=\"field field--name-field-paragraphs field--type-entity-reference-revisions field--label-hidden\"\u003e\n\u003cdiv class=\"paragraph paragraph--type--media-container paragraph--view-mode--default items-3\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-field-description field--type-text-long field--label-hidden field__item\"\u003e\n\u003ch3\u003ecall us: \u003ca data-dtype=\"d3ph\" data-local-attribute=\"d3ph\" href=\"https:\/\/www.google.com\/search?q=indiana+farmers+insurance\u0026amp;sca_esv=78e6f61af8104fa1\u0026amp;source=hp\u0026amp;ei=YsliafiPN5mJwbkPq9_P-AI\u0026amp;iflsig=AFdpzrgAAAAAaWLXcv_FQiJ-wbGgqa8ndmtuegLzAcFN\u0026amp;ved=0ahUKEwj4yKXr-YGSAxWZRDABHavvEy8Q4dUDCBQ\u0026amp;uact=5\u0026amp;oq=indiana+farmers+insurance\u0026amp;gs_lp=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-SBwQ0LjI5oAfptgKyBwQwLjI5uAfSG8IHCDItMzIuMC4xyAe-AYAIAA\u0026amp;sclient=gws-wiz\u0026amp;sei=ccliaf6yBZCFwbkPwov5yAQ#\" data-ved=\"2ahUKEwihp5Ty-YGSAxVmTTABHcpcKK8QkAgoAHoECD4QAw\"\u003e\u003cspan aria-label=\"Call phone number +1 800-477-1660\"\u003e1 800-477-1660\u003c\/span\u003e\u003c\/a\u003e\n\u003c\/h3\u003e\n\u003cdiv class=\"paragraph paragraph--type--block-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-block-reference field--type-entity-reference field--label-hidden field__item\"\u003e\n\u003cdiv class=\"block block-block-content block-block-contente5fd7217-8adc-4d37-8541-a8a960a94b4f\" id=\"block-insuranceblock\"\u003e\n\u003cdiv class=\"clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item\"\u003e\n\u003cdiv class=\"tg--desclaimer-text\"\u003e\n\u003cp\u003eInsurance products are subject to terms, conditions and exclusions not described on this Website. The information on this Website concerning insurance policies and other products is intended to give you an overview of the policies and products offered by Indiana Farmers Insurance. None of the information—including any policy or product description—constitutes an insurance policy. The policy contains the specific details of the coverages, terms, conditions and exclusions. Coverages and their availability may vary by state.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"paragraph paragraph--type--content-container paragraph--view-mode--default\"\u003e\n\u003cdiv class=\"field field--name-field-content-reference field--type-entity-reference field--label-hidden field__items\"\u003e\n\u003cdiv class=\"field__item\"\u003e\n\u003carticle class=\"node node--type-cta node--view-mode-default\"\u003e\n\u003cdiv class=\"node__content__agent-finder node__content\"\u003e\u003cform data-once=\"dealer-form\" id=\"views-exposed-form-agents-block\" method=\"get\" action=\"https:\/\/www.indianafarmers.com\/find-an-agent\" data-drupal-selector=\"views-exposed-form-agents-block\" class=\"views-exposed-form views-exposed-agents-form\"\u003e\n\u003cdiv class=\"form--inline clearfix\"\u003e\n\u003cdiv class=\"views-exposed-agents-wrapper\"\u003e\n\u003cdiv class=\"form-radios\" id=\"edit-tid--3\"\u003e\n\u003cdiv class=\"js-form-item form-item js-form-type-radio form-type-radio js-form-item-tid form-item-tid\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/form\u003e\u003c\/div\u003e\n\u003c\/article\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp\u003e \u003c\/p\u003e","brand":"Indiana Farmers Mutual Insurance Group","offers":[{"title":"Default Title","offer_id":47363235414246,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/ifi-logo.png?v=1768081959"},{"product_id":"state-farm-business-insurance","title":"State Farm Business Insurance","description":"\u003ch1\u003eState Farm Business Insurance\u003c\/h1\u003e\u003cp\u003eYour info, your rules. No spam, no surprises.\u003c\/p\u003e\u003cp\u003eState Farm Business Insurance provides comprehensive coverage for your company nationwide. Get flexible policies, competitive rates, and reliable support to protect your business assets and operations.\u003c\/p\u003e","brand":"State Farm","offers":[{"title":"Default Title","offer_id":47512786010342,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/2024-02-01.jpg?v=1770119971"},{"product_id":"allstate-business-insurance","title":"Allstate Business Insurance","description":"\u003ch1\u003eAllstate Business Insurance\u003c\/h1\u003e\u003cp\u003e\u003cstrong\u003eYour info, your rules. No spam, no surprises.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eAllstate Business Insurance helps protect your company from unexpected challenges with comprehensive coverage options. From general liability to property protection, Allstate offers customizable business insurance solutions designed for small to mid-sized businesses.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eCoverage includes:\u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eGeneral liability coverage\u003c\/li\u003e\n\u003cli\u003eCommercial property insurance\u003c\/li\u003e\n\u003cli\u003eWorkers' compensation\u003c\/li\u003e\n\u003cli\u003eCommercial auto insurance\u003c\/li\u003e\n\u003cli\u003eProfessional liability\u003c\/li\u003e\n\u003cli\u003eCyber liability coverage\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eAvailable nationwide. Contact Allstate for a business insurance consultation.\u003c\/p\u003e","brand":"Allstate","offers":[{"title":"Default Title","offer_id":47512787517670,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/allstate-logo-png_seeklogo-320266-1-300x300.png?v=1763561553"},{"product_id":"geico-business-insurance","title":"GEICO Business Insurance","description":"\u003ch1\u003eGEICO Business Insurance\u003c\/h1\u003e\u003cp\u003e\u003cstrong\u003eYour info, your rules. No spam, no surprises.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eGEICO Business Insurance helps protect your company from unexpected challenges with comprehensive coverage options. From general liability to commercial auto insurance, GEICO offers customizable business insurance solutions designed for small to mid-sized businesses.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eCoverage includes:\u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eGeneral liability coverage\u003c\/li\u003e\n\u003cli\u003eCommercial property insurance\u003c\/li\u003e\n\u003cli\u003eWorkers' compensation\u003c\/li\u003e\n\u003cli\u003eCommercial auto insurance\u003c\/li\u003e\n\u003cli\u003eProfessional liability\u003c\/li\u003e\n\u003cli\u003eCyber liability coverage\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eAvailable nationwide. Contact GEICO for a business insurance consultation.\u003c\/p\u003e","brand":"GEICO","offers":[{"title":"Default Title","offer_id":47512789909734,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/geico.jpg?v=1776777155"},{"product_id":"progressive-business-insurance","title":"Progressive Business Insurance","description":"\u003ch1\u003eProgressive Business Insurance\u003c\/h1\u003e\u003cp\u003e\u003cstrong\u003eYour info, your rules. No spam, no surprises.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eProgressive Business Insurance helps protect your company from unexpected challenges with comprehensive coverage options. From general liability to commercial auto insurance, Progressive offers customizable business insurance solutions designed for small to mid-sized businesses.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eCoverage includes:\u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eGeneral liability coverage\u003c\/li\u003e\n\u003cli\u003eCommercial property insurance\u003c\/li\u003e\n\u003cli\u003eWorkers' compensation\u003c\/li\u003e\n\u003cli\u003eCommercial auto insurance\u003c\/li\u003e\n\u003cli\u003eProfessional liability\u003c\/li\u003e\n\u003cli\u003eCyber liability coverage\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eAvailable nationwide. Contact Progressive for a business insurance consultation.\u003c\/p\u003e","brand":"Progressive","offers":[{"title":"Default Title","offer_id":47512790827238,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/progressive-3-logo.png?v=1775396811"},{"product_id":"nationwide-business-insurance","title":"Nationwide Business Insurance","description":"\u003ch1\u003eNationwide Business Insurance\u003c\/h1\u003e\u003cp\u003e\u003cstrong\u003eYour info, your rules. No spam, no surprises.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eNationwide Business Insurance helps protect your company from unexpected challenges with comprehensive coverage options. From general liability to property protection, Nationwide offers customizable business insurance solutions designed for small to mid-sized businesses.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eCoverage includes:\u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eGeneral liability coverage\u003c\/li\u003e\n\u003cli\u003eCommercial property insurance\u003c\/li\u003e\n\u003cli\u003eWorkers' compensation\u003c\/li\u003e\n\u003cli\u003eCommercial auto insurance\u003c\/li\u003e\n\u003cli\u003eProfessional liability\u003c\/li\u003e\n\u003cli\u003eCyber liability coverage\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eAvailable nationwide. Contact Nationwide for a business insurance consultation.\u003c\/p\u003e","brand":"Nationwide","offers":[{"title":"Default Title","offer_id":47512791187686,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/nationwide.png?v=1776777063"},{"product_id":"farmers-business-insurance","title":"Farmers Business Insurance","description":"\u003ch1\u003eFarmers Business Insurance\u003c\/h1\u003e\u003cp\u003e\u003cstrong\u003eYour info, your rules. No spam, no surprises.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eFarmers Business Insurance helps protect your company from unexpected challenges with comprehensive coverage options. From general liability to property protection, Farmers offers customizable business insurance solutions designed for small to mid-sized businesses.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eCoverage includes:\u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eGeneral liability coverage\u003c\/li\u003e\n\u003cli\u003eCommercial property insurance\u003c\/li\u003e\n\u003cli\u003eWorkers' compensation\u003c\/li\u003e\n\u003cli\u003eCommercial auto insurance\u003c\/li\u003e\n\u003cli\u003eProfessional liability\u003c\/li\u003e\n\u003cli\u003eCyber liability coverage\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eAvailable nationwide. Contact Farmers for a business insurance consultation.\u003c\/p\u003e","brand":"Farmers Insurance","offers":[{"title":"Default Title","offer_id":47512791679206,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/AF1QipNVSJF2KffzCKGW5hxcYao7EexcC_GSp8MKVUvb_s680-w680-h510-rw.webp?v=1771157182"},{"product_id":"safeco-business-insurance","title":"Safeco Business Insurance","description":"\u003ch1\u003eSafeco Business Insurance\u003c\/h1\u003e\u003cp\u003e\u003cstrong\u003eYour info, your rules. No spam, no surprises.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eSafeco Business Insurance helps protect your company from unexpected challenges with comprehensive coverage options. 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