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Most businesses are aware of general liability coverage, commercial property insurance, commercial auto insurance—and if the business has employees—worker’s compensation insurance. These are all common insurance policies.
Specialty insurance is insurance that you can purchase to cover unique items, services, or risks. Specialty insurance falls outside what standard insurance policies cover. It can also cover what may be excluded from coverage.
What are some types of specialty insurance?
These are just a few types of specialty insurance policies available for businesses. Check with a licensed insurance agent to help you research insurance coverages you may need and specialty insurance products that are available.
Specialty insurance is designed to cover rare and/or expensive specialty items or events. There are specialty insurance carriers that cover leisure activities and travel for consumers. Others cover specialty items like boats, classic cars, jet skis, etc.
What else can you seek specialty insurance coverage for? Art, coin collections, watches, exotic animals, jewelry, historical documents and books, furniture, and so much more. There are likely insurance services that have a policy designed for any item you may need covered.
Some specific industries need specialized insurance, such as those that face higher risks (i.e. construction, real estate, doctors, etc.)
There’s a misconception that specialty insurance is costly or expensive. The cost of a policy depends on your specific industry, the risks you face, and the amount of coverage you need for something. We recommend that you speak with an agent that has experience with specialty insurance. If you need help connecting with someone, give us a call at 877-907-5267. Or complete the form at the top of the page for help finding specialty insurance. We can walk you through best practices and help you determine the protection you need.
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