Catalog
24 coverages · one relationship
Pick the coverage. We’ll pick the market.
Every product below is explained the same way: what it does, what it doesn’t, who needs it, and what we’ll ask. Where a specialty program or partner is the better route, the page says so.
Personal
Personal insurance
The house, the cars, the things on the water, and the people who depend on you.
- 01 Auto Pays for injuries and damage when a car you own is involved in a crash, and for the car itself if you choose.
- 02 Home Rebuilds your house, replaces what is inside it, and defends you if someone is hurt on your property.
- 03 Condo Covers everything the association’s master policy leaves to you — usually the inside of your unit and your belongings.
- 04 Renters Protects your belongings and your liability in a place you do not own. Usually the cheapest policy you will ever buy.
- 05 Umbrella Adds a million dollars or more of liability protection above your auto and home policies, for very little money.
- 06 Motorcycle Liability, physical damage, and gear coverage for bikes, trikes, and scooters.
- 07 Boat Covers the hull, motor, trailer, and your liability on the water — with limits that match how and where you use the boat.
- 08 RV Motorhomes, travel trailers, and fifth wheels — covered for the road, the campsite, and the months in storage.
- 09 Classic car Agreed-value coverage for collector vehicles, priced for cars that are driven carefully and rarely.
- 10 Flood The only policy that pays when water rises from outside. Homeowners insurance never does.
- 11 Life Replaces your income for the people who depend on it. Term life is simple, inexpensive, and usually the right answer.
Business
Business insurance
Liability, property, vehicles, employees, and professional risk — packaged the way carriers want to write it.
- 01 Business A package built around what you actually do: liability, property, vehicles, and employees, quoted together.
- 02 General liability Pays when your business injures someone or damages their property. The certificate everyone asks you for.
- 03 BOP Liability and property in one policy, priced for small and mid-sized businesses.
- 04 Commercial property Buildings, equipment, inventory, and the income you lose while a covered loss is repaired.
- 05 Commercial auto Vehicles used for work — owned, leased, or driven by employees — with the limits contracts expect.
- 06 Workers’ comp Medical care and lost wages for employees hurt on the job. Required in Michigan once you have employees.
- 07 Professional liability Covers claims that your advice, service, or work caused someone a financial or physical loss.
- 08 Cyber Pays for the response to a breach, ransomware, or funds-transfer fraud — and the lawsuits that follow.
- 09 Contractors General liability, tools, trucks, and workers’ comp packaged the way general contractors and lenders expect.
- 10 Landlords Covers rental houses, duplexes, and small apartment buildings — plus the rent you lose after a covered loss.
- 11 Restaurants Liability, property, liquor, spoilage, and employees for cafés, bars, and restaurants.
- 12 Retail Storefronts, inventory, and customers — packaged for shops, salons, and service businesses.
- 13 Offices Coverage for law, accounting, real estate, financial, and design offices — property, liability, cyber, and E&O.
Specialty
Specialty programs
Markets built for one profession or one kind of risk, placed through programs the general market does not offer.
- 01 Classic car Agreed-value coverage for collector vehicles, priced for cars that are driven carefully and rarely.
- 02 Flood The only policy that pays when water rises from outside. Homeowners insurance never does.
- 03 Professional liability Covers claims that your advice, service, or work caused someone a financial or physical loss.
- 04 Cyber Pays for the response to a breach, ransomware, or funds-transfer fraud — and the lawsuits that follow.
Program · comingProfessional liability for healthcare and wellness professionalsA specialty market built for licensed healthcare and wellness professions, with malpractice and license-defense coverage that general business policies leave out.Through CM&F Group
ProgramFederal flood insuranceFlood is excluded from homeowners policies everywhere. The Collective places it through the NFIP or a private flood market.Through National Flood Insurance Program
Healthcare professionalsPhysical therapists
Malpractice coverage that follows you across employers, side practices, and per-diem work — plus license defense, which employer policies almost never include.
Wellness professionalsMassage therapists
Professional and general liability in one policy for licensed massage therapists, whether you rent a room, work mobile, or own the studio.
Contractors & tradesRemodeling contractors
General liability with completed operations, tools, trucks, and workers’ comp — packaged the way general contractors and lenders expect to see it on a certificate.
Nextstep
Let’s see what the market can do for you.
Tell us what you need and where you are. We’ll show you the path before you give us a phone number.