Umbrella & Other - Wavigo Insurance Hunters

Cyber Liability Insurance

Cyber Liability Insurance protects people & businesses from financial losses due to cyberattacks, data breaches, and other cyber-related threats. It covers costs related to data recovery, legal fees, regulatory fines, and customer notification after a cyber incident.”

This insurance is essential for businesses that handle customer data, payment information, or rely on digital operations, as cyber threats like hacking, ransomware, and phishing attacks continue to rise.

Learn More About Cyber Liability

Home Warranty Insurance

Home warranty insurance is a service contract (not traditional insurance) that covers the repair or replacement of major home systems
and appliances due to normal wear and tear. Unlike homeowners’ insurance, which protects against unexpected disasters (fire, theft,
storms), a home warranty helps cover the cost of fixing or replacing essential household items when they break down:

Appliance Coverage:

Covers the repair or replacement of major household appliances, such as:

— Refrigerators.
— Ovens/Stoves.
— Dishwashers
— Washing Machines & Dryers.
— Built-in Microwaves.

Systems Coverage:

Protects major home systems that keep your house running, including:

— HVAC (Heating & Air Conditioning).
— Plumbing System.
— Electrical System.
— Water Heater.
— Ductwork.

Comprehensive (Combo) Coverage:

— Covers both appliances and systems in a bundled plan.
— Offers more protection but at a higher cost.

Optional/Add-On Coverage:

Some home warranty providers offer additional coverage for:

— Pools & Spas.
— Well Pumps.
— Septic Systems.
— Roof Leaks.
— Additional Refrigerators or Standalone Freezers.

Explore Home Warranty Options

Identity Theft
Insurance Section

Identity Theft Insurance helps cover the costs associated with recovering your identity and financial losses if you become a victim of fraud or identity theft. While it does not prevent identity theft, it provides financial protection and assistance in restoring your identity.

MOST FREE IDENTITY THEFT SERVICES ONLY MONITOR
CREDIT!! THEY DO NOT HELP FINANCIALLY IF YOUR
IDENTITY IS STOLEN!!

Identity Theft Insurance is very affordable (usually less than 75 cents per day) & with ongoing cyber
security breaches abundant in our digital world, in our opinion, it is a MUST!

Identity Restoration Coverage

— Covers costs for hiring professionals (lawyers, fraud specialists, etc.) to restore your identity.
— Helps with contacting credit bureaus, financial institutions, and government agencies.

Fraudulent Charges Reimbursement

— Covers unauthorized withdrawals or transactions made in your name.
— Some policies may reimburse stolen funds up to a specific limit.

Lost Wages & Expenses Coverage

— Reimburses lost wages if you miss work while resolving identity theft issues.
— Covers expenses like phone bills, mailing costs, and legal fees.

Get Identity Theft Protection

Insurance Bonds

A financial Guarantee between three parties & in many cases required to move business forward, we can connect you with top tier carriers:

Surety Bonds
(Guarantees compliance with laws/contracts)

— Contract Bonds — Ensure completion of a construction or service contract.
— Bid Bond — Guarantees the contractor will honor their bid.
— Performance Bond — Ensures the project is completed as agreed.
— Payment Bond — Ensures subcontractors and suppliers are paid.
— Maintenance Bond — Covers defects after project completion.
— License & Permit Bonds — Required for businesses (e.g., auto dealers, contractors) to operate legally.
— Court Bonds — Required in legal cases.
— Fiduciary Bond — Ensures trustees or executors handle funds responsibly.
— Appeal Bond — Ensures payment of a judgment if an appeal fails.”
— Public Official Bonds — Ensures government officials perform duties ethically (e.g., treasurers, notaries).
— Business Service Bonds — Protect clients from employee dishonesty in service-based businesses (e.g., janitorial services).

Fidelity Bonds
(Protects businesses from employee dishonesty)

— Contract Bonds — Ensure completion of a construction or service contract.
— Employee Dishonesty Bond — Covers theft or fraud by employees.
— ERISA Bond — Required for those managing employee benefit plans.
— Business Crime Bond — Protects against forgery, fraud, or embezzlement.

Financial Guarantee Bonds
(Ensures financial obligations are met):

— Tax Bonds — Guarantees payment of sales or fuel taxes.
— Utility Bonds — Ensures businesses pay utility bills.
— Lease Bonds — Ensures tenants fulfill lease agreements.

Learn More About Insurance Bonds

Umbrella Insurance

Umbrella Insurance is a type of liability insurance that provides extra coverage beyond the limits of your existing policies, such as auto,
homeowners, or business liability insurance. It helps protect your assets from large claims, lawsuits, and unexpected events that exceed
your primary policy’s limits.

For example, if you’re found liable for an accident that causes $1 million in damages, but your auto insurance only covers $500,000,
umbrella insurance can help cover the remaining amount.

Personal Umbrella Insurance

— Extends liability coverage for individuals and families.
— Covers bodily injury, property damage, defamation, and legal fees.
— Works alongside home, auto, boat, and rental property insurance.”

Commercial Umbrella Insurance

— Provides additional liability protection for businesses.”
— Extends coverage for general liability, commercial auto, and employer liability.”
— Helps businesses manage large lawsuits or claims beyond standard policies.

Landlord Umbrella Insurance

— Extra liability protection for rental property owners.
— Covers tenant injuries, property damage claims, and legal costs.

Professional Liability Umbrella Insurance.

— Extends coverage for professionals (doctors, lawyers, consultants, etc.).
— Protects against malpractice, errors & omissions (E&O), and negligence claims.

Get Umbrella Insurance Today

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