Lines of Business

Each major insurance line has distinct correspondence requirements. Select a line to see its playbook, common letter types, and high-complexity jurisdictions.

Auto

Personal auto insurance covering liability, collision, comprehensive, uninsured/underinsured motorist, and auto physical damage claims. For business-owned vehicles, fleets, and hired/non-owned auto, see the Commercial Auto playbook.

Commercial Auto

Covers business-owned vehicles, fleets, and hired/non-owned auto exposures — including liability, physical damage, motor carrier filings, and MCS-90 endorsement obligations.

Commercial Property

Covers commercial property claims including building/contents, business interruption, inland marine overlap, and surplus lines — with attention to UCPA applicability, coinsurance disclosures, and large-loss handling.

Cyber Liability

First- and third-party cyber coverage for data breaches, ransomware, business email compromise, network interruption, and regulatory defense — with overlays for state breach-notification statutes and panel-counsel requirements.

General Liability

Covers third-party bodily injury and property damage claims under commercial general liability policies, including premises liability, products liability, and completed operations.

Homeowners

Covers residential property claims including dwelling fire, windstorm, water damage, wildfire, smoke damage, and catastrophe-related claims under homeowners policies.

Inland & Ocean Marine

Specialty property coverage for goods in transit, scheduled equipment, builders risk, cargo, hull, and P&I exposures — governed by a mix of state regulation, federal admiralty law, and international maritime conventions.

Professional Liability

Errors and omissions, directors and officers, employment practices, fiduciary, and miscellaneous professional liability coverage — typically written on claims-made-and-reported forms with strict notice and reporting conditions.

Workers' Compensation

Covers compensability notices, utilization-review determinations, medical-necessity denials, lien-related correspondence, and carrier/policy appeal notices.