Featured personal and professional coverage.
Business Liability Insurance
Protect your business from costly lawsuits and settlements with a range of commercial liability and other policies from trusted insurers in the Northwest and all around the country.
Featured coverage includes Professional Liability, Employment Practices Liability and Directors & Officers policies.
Don’t let a mistake undo your hard work.
Your business success is the result of vision, commitment and sacrifice. Business Liability Insurance can help it recover from a serious financial claim.
We offer several types of coverage, including:
Professional Liability Insurance (Errors & Omissions or E&O)
E&O covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is essential for licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies.
Employment Practices Liability Insurance (EPLI)
EPLI is for employment-related liabilities other than on-the-job injuries. This can include legal fees and damages such as wrongful termination, discrimination, sexual harassment and other alleged violations of employees’ legal rights.
Directors and Officers Insurance (D&O)
D&O insurance covers your leaders, the directors and officers of your company, for negligent acts or omissions and for misleading statements that result in lawsuits against your company. D&O policies may be broadened to include coverage for employment practices liability as well.
Your local Highstreet Insurance & Financial Services agent can help you make sure your business is properly covered to protect your business from major financial losses.
Home Insurance
For many, buying a house is the most important purchase you’ll ever make. So, when it comes time to insure your home, it’s important to work with a local agent who understands you, your family and your community.
Just like every home is different, every homeowner is unique. There are many insurance options for homeowners, landlords and renters that can help protect you financially in the event of a fire, theft, vandalism or other covered events.
Protect the place you call home
The amount of Home Insurance you may need depends on many factors, including your personal housing situation, and the assets you want to protect.
- Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
- Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. Your personal liability coverage should be high enough to protect your personal and family assets if you are sued.
- Medical Coverage pays medical expenses for guests from outside of your household if they are injured on your property.
- Additional Living Expenses will pay additional living expenses (often for up to 24 months) while damage is assessed and your home is repaired or rebuilt.
- Collections Insurance can provide additional coverage for precious items such as jewelry, art, antiques or collectibles.
- Landlords may be able to buy optional liability coverage for the risks posed by tenants if you rent out your home or part of it.
Your local Highstreet Insurance & Financial Services agent can help you find the right coverage for your home and your individual or family needs.
Auto Insurance
Auto insurance requirements vary by state. In some states, to drive you must carry coverage for liability to pay for injury or losses caused by you, or someone driving your vehicle.
Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having car insurance is the simplest way for most people to comply.
Protect yourself and others on the road.
Depending on where you live, you may be required to have:
- Liability coverage to pay for losses you cause others
- No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault
- Both liability and no-fault coverage.
As well, you can protect your vehicle from damage or losses with:
- Collision Insurance that pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car.
- Comprehensive insurance that covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Although it’s not legally required, you will probably need to have it if your car is financed.
Your local Highstreet Insurance & Financial Services agent can help you understand what type of auto coverage is right for you, your family and what you drive.
Umbrella Insurance
Umbrella Insurance can help you be sure you’re insured if your standard home, auto and other related policies don’t fully cover potential losses.
For example, if you are found liable in a road accident, your automotive coverage will pay for a certain amount of liability. But if you are sued for extensive damages and injuries that are more than your car policy will cover, an umbrella policy kicks in and provides you with additional protection.
The best coverage for the worst-case scenario
Even with the best intentions, you could be at risk of a personal liability lawsuit. Umbrella insurance covers the additional payout beyond the limitations in your existing policies, such as:
- If a person is seriously injured on your property, and you are held liable.
- If you or a family member is in a car accident that causes injury or damage beyond your coverage limits.
- You or someone in your household is accused of libel — even in an online comment.
Umbrella policies can offer $1,000,000 or more in additional liability coverage. For public figures or families of high net worth, coverage of $2,000,000 or more is recommended.
Your local Highstreet Insurance & Financial Services agent can help you find the right Umbrella coverage to protect your family and assets.