Your insurance policy is a contract providing you -the insured- financial protection in the event of a loss or damages. The insurance company -the insurer- pools clients' risks to make payments more affordable for the insured.

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Insurance policies provide a financial safety net to protect you against the risk of financial losses, resulting from damage to the insured's body or property, or from liability for damage or injury caused to another party.

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Having insurance helps you guard yourself and your loved ones from difficult financial situations when a loss like fire, theft, lawsuit or car accident happen. Without insurance, you could leave your family bankrupt or monetarily inconvenienced.