* At home we use State Farm Insurance and have coverage for Home and Auto.
Life Insurance - left over 20-year term. I don't know that it's even any good anymore.
Genworth got bought out by some Chinese company...geez.
(I used to use USAA, but my wife had State Farm, so I nixed the duplication.)
* For the grocery store and the rest of the shopping center, we use Farmers Insurance and have coverage for Business Owners, Commercial General Liability, Commercial Property Insurance, an "Umbrella" policy, and Workers' Comp for our employees.
The HUGE benefit of coverage for the shopping center is the coverage for all our rooftop solar equipment and natural gas generators. The property policy also covers the buildings, sidewalks, parking lots and decks, store signs, trees, bushes, and other landscaping.
*Our facility is "self-insured," except for the solar and generators covered by the shopping center's policies. Our employees' insurance policies are either covered by the school or the shopping center. Some of the permanent facility staff are paid by the school because they are really providing educational services and the rest of the facility staff get paid out of the shopping center leasing office, because they do all that work too, it just doesn't require as much people power as is allocated on paper. The shopping center does sub out grass cutting, hedge trimming, walkway blowing, and the cleaning of common areas like the public restrooms and those folks are covered by their own insurance.
*The school insurance policies are the real pain. Not only are they expensive, but extensive. Anyone that tells you that you can "make money running a school" (if you do things well) is holding something back.
It's difficult to even break even.
We don't do buses and we don't do athletics so those are both huge cost savers for the budget and knock down our insurance costs considerably.
The school's insurance coverage includes "Liability," "Commercial Property" for fire, natural disasters, vandalism, etc. We do have two passenger vans for field trips, so we also have "Commercial Auto." The staff are covered by "Workers’ Comp," and an "Umbrella" policy for extra coverage just in case. Then there's health coverage which blows the roof off of school costs.
I rarely have gotten anything back claim-wise, but when you have a lot of people involved, especially children, you almost have to do insurance out the wazoo.