Casualty insurance refers to various kinds of coverage that mostly reimburse third-party claimants for property damage, bodily injury, liability, and other losses. It is a wide umbrella term under which all different policies fall, including auto, workers’ compensation, and liability insurance. If you need to purchase a policy to protect your personal financial security or a business that you own, turn to Ebert Agency in Foley, AL. This family-owned company is proud to offer a vast array of products that provide comprehensive coverage for their clients; here, they explain what you need to know about casualty insurance.

Personal Coverage

For individuals, casualty insurance is essentially anything that is not life, health, or property insurance. It may be challenging to distinguish between the various kinds of coverage. In general, casualty insurance handles damages that other people sustain as the result of your negligence, whereas property covers injuries you suffer as the result of fire, theft, inclement weather, and other causes.

Commercial Coverage

There are dozens of kinds of commercial casualty insurance. These include commercial auto, general liability coverage, errors and omissions coverage, workers’ compensation, special event, and foreign casualty coverage. Every business does not need to purchase every coverage, but all companies should have the policies that are most relevant to them. Additionally, certain kinds of coverage, like commercial auto insurance, are required by law. Thus, if your company relies on vehicles to conduct business, you will have no choice but to purchase the minimum required amounts.

If you need to purchase casualty insurance for you or your business in Foley, turn to Ebert Agency. They provide everything from comprehensive liability umbrella policies to life insurance. Visit their website to learn more about their extensive experience in the industry, or call (251) 943-2281 to discuss all of your needs today.