Property & casualty insurance in Ames provides insurance on possessions like - homes, vehicles, and businesses to protect the insured with an interest in material property against the loss of the property itself or of its abilities to income. Casualty insurance mainly provides a person or business protection against legal liability for losses caused by injury to other people or damage to others’ property. The major ISO-proved lines included in the Property & Casualty insurance terms are of two categories- Commercial Lines & Personal lines.
Commercial Lines include automobile, business owners, capital assets, crime and fidelity, electronic commerce, employment-related practices liability, equipment breakdown, farm, financial institutions, general liability, inland marine, management protection, market segments, medical-professional liability, package policies, property & workers compensation. While automobile, dwelling property, homeowners, inland marine, personal liability & watercraft are included in the Personal Lines category.