Your Coverage Overview
Understand Your Insurance Options
A quote is a starting point. Explore the coverage categories below, note what matters to your family or business, and talk with Hightree Insurance Solutions about your needs.
Make an Informed Choice
Different risks call for different coverage conversations.
Auto, property, employee injuries, professional services and family protection are different exposures. A policy for one area may not cover another.
This overview introduces common options so you can bring questions to your review. It is not a complete list of available coverage or a determination of what you need.
Before your conversation:
Coverage & Services
Explore Ten Areas of Protection
Plain-language introductions to help you prepare for a personalized review.
Commercial Auto
Insurance for vehicles used in business, such as contractor pickups, vans and commercial vehicles. Review who drives, how vehicles are used and the protection your operation may need.
Explore this coverage →General Liability
Addresses certain third-party claims involving bodily injury, property damage and other covered liability exposures from business operations. It does not replace every other type of business insurance.
Explore this coverage →Workers’ Compensation
Generally addresses covered employee work-related injuries or illnesses. Requirements, benefits and owner or contractor treatment vary by state and arrangement.
Explore this coverage →Commercial Property
Helps protect covered business buildings and contents against insured causes of loss. Review property values, deductibles, exclusions and any business income needs.
Explore this coverage →Inland Marine
Coverage for certain movable business property, tools or equipment, which may travel between jobs or be stored away from your main location. The specific property and uses must be reviewed.
Ask Hightree about this →Cargo
Addresses covered loss or damage to goods being transported. Commodities, load values, theft conditions, refrigeration and other exclusions can affect coverage.
Explore this coverage →E&O / Professional Liability
Addresses certain claims alleging errors, omissions or negligence in professional services. Review covered services, exclusions and any claims-made reporting requirements.
Ask Hightree about this →Life Insurance
Provides a death benefit to beneficiaries when a covered insured person dies, subject to policy terms. Term and permanent options serve different needs.
Explore this coverage →Indexed Universal Life (IUL)
A form of permanent life insurance with cash value interest crediting linked in part to an index formula. It is not direct stock-market investing. Caps, participation rates, charges and policy funding affect results; loans and withdrawals can reduce benefits and may cause a lapse.
Explore this coverage →Personal Auto & Home
Review protection for personal vehicles, a home, belongings and personal liability. Business use and other special exposures may need separate coverage.
Explore this coverage →Look Beyond One Quote
Tell us about the whole picture.
A new vehicle, new employee, different cargo, business contract or family change may affect the questions worth asking. Let Hightree know how you live and work so those details can be reviewed.
Simple Next Steps
Prepare, Discuss and Review
1. Identify Your Questions
Choose the coverage areas you want to discuss and gather relevant information.
2. Speak With Hightree
Review your situation, existing coverage, available options and any gaps to investigate.
3. Review Before Choosing
Ask about limits, deductibles, exclusions, pricing and how coverage is put into effect.
Let’s Talk
Discuss Your Coverage With Hightree
Have questions about an option listed here? Call Hightree to arrange a conversation and review your needs.
Appointment Scheduling
Online scheduling is coming soon.
For now, call (323) 949-2808 to request an appointment.
Call to ScheduleThese summaries are general information, not a coverage determination or recommendation. Coverage depends on the actual policy, limits, conditions, exclusions, eligibility and underwriting. Reviewing this page does not select or decline coverage, bind a policy or guarantee approval. Discuss your specific needs with a licensed insurance professional.