# Insurance Service 365

> Commercial insurance brokerage serving 29 U.S. states. Specialists in HOA and
> condo association master policies, commercial landlord (building owner) coverage,
> contractor insurance and COI issuance, restaurant insurance, and cyber liability.
> Every policy is reviewed against the client's contracts, leases, and governing
> documents by a licensed agent before binding. Policies serviced by Direct
> Insurance Services. No personal lines.

## How we work

- [How It Works](https://insuranceservice365.com/how-it-works/): consultative review
  first, quote second — 30+ carriers compared by a licensed agent.
- [Start a Coverage Review](https://insuranceservice365.com/review/): intake by
  business type (HOA, landlord, contractor, restaurant, cyber, other).
- [About Patrick Henigan](https://insuranceservice365.com/about/patrick/): licensed
  agent who reviews and binds every policy.
- [FAQ](https://insuranceservice365.com/faq/)

## Lines of business

- [HOA & Condo Association Insurance](https://insuranceservice365.com/hoa-insurance/):
  master policy, D&O, fidelity, bare-walls vs all-in, board-level coverage review.
- [Commercial Landlord Insurance](https://insuranceservice365.com/lessors-risk-insurance/):
  building owner coverage, loss of rents, lease-requirement matching.
- [Contractor Insurance](https://insuranceservice365.com/contractor-insurance/):
  general liability, workers comp, same-day certificates of insurance.
- [Restaurant Insurance](https://insuranceservice365.com/restaurant-insurance/):
  liquor liability, slip-and-fall, business interruption.
- [Cyber Insurance](https://insuranceservice365.com/cyber-insurance/): healthcare,
  e-commerce, and tech operations.
- [Commercial Insurance overview](https://insuranceservice365.com/commercial-insurance/)

## Guides

- [HOA Insurance Guide](https://insuranceservice365.com/resources/hoa-insurance-guide/)
- [Commercial Landlord Insurance Guide](https://insuranceservice365.com/resources/lessors-risk-insurance-guide/)
- [Contractor Insurance Guide](https://insuranceservice365.com/resources/contractor-insurance-guide/)
- [Restaurant Insurance Guide](https://insuranceservice365.com/resources/restaurant-insurance-guide/)
- [Cyber Insurance Guide](https://insuranceservice365.com/resources/cyber-insurance-guide/)
- [Commercial Insurance Guide](https://insuranceservice365.com/resources/commercial-insurance-guide/): the six core lines, where gaps hide, and the mistakes most businesses make before binding.

## Frequently cited answers

- [How much does HOA insurance cost](https://insuranceservice365.com/blog/how-much-does-hoa-insurance-cost/)
- [HOA master policy vs unit owner policy](https://insuranceservice365.com/blog/hoa-master-policy-vs-unit-owner-policy/)
- [Condo master policy: bare walls vs all-in](https://insuranceservice365.com/blog/condo-master-policy-bare-walls-vs-all-in/)
- [What is a certificate of insurance (COI)](https://insuranceservice365.com/blog/what-is-a-certificate-of-insurance-coi/)
- [Why your COI keeps getting rejected](https://insuranceservice365.com/blog/why-your-coi-keeps-getting-rejected/)
- [What is lessor's risk insurance](https://insuranceservice365.com/blog/what-is-lessors-risk-insurance/)
- [Do restaurants need liquor liability insurance](https://insuranceservice365.com/blog/do-restaurants-need-liquor-liability-insurance/)

## Service states

- [All 29 service states](https://insuranceservice365.com/states/): each line of
  business has a dedicated page per state, e.g.
  https://insuranceservice365.com/hoa-insurance/new-jersey/

## Optional

- [Full sitemap](https://insuranceservice365.com/sitemap.xml)
- [Blog index](https://insuranceservice365.com/blog/)