Overview
Jonosha Financial is your comprehensive insurance haven seamlessly integrated with Jonosha Assist, your trusted AI-co-pilot for navigating both life and business. At Jonosha Financial, we understand the importance of security and peace of mind; hence, we offer an extensive portfolio of personal and commercial insurance products tailored to meet your individual needs and corporate requirements. Whether you’re seeking protection for your home, health, vehicle, or enterprise, our dedicated team is committed to providing you with exceptional coverage options that align perfectly with your lifestyle and business goals. Harness the synergy of technology and expertise with Jonosha Financial and Jonosha Assist, and let us safeguard your journey towards a secure future.
Personal Insurance
Health Insurance
- Individual & Family Plans
- Short-Term Health Insurance
- Health Savings Account (HSA) Eligible Plans
- Dental and Vision Coverage
Life Insurance
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
- Accidental Death and Dismemberment (AD&D)
Auto Insurance
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- Uninsured Motorist Protection
Homeowners Insurance
- Dwelling Coverage
- Personal Property Coverage
- Liability Protection
- Additional Living Expenses (ALE)
Renters Insurance
- Personal Property Protection
- Liability Coverage
- Additional Living Expenses
Travel Insurance
- Trip Cancellation/Interruption
- Emergency Medical Coverage
- Baggage Protection
- 24/7 Travel Assistance
Disability Insurance
- Short-Term Disability
- Long-Term Disability
Personal Liability Insurance
- Umbrella Insurance Policies
Critical Illness Insurance
- Coverage for Specific Diseases like Cancer, Stroke, Heart Attack
Long-Term Care Insuranc
- Assisted Living Costs
- In-Home Care Services
Pet Insurance
Accident-Only Coverage
- Covers treatment for accidents such as injuries and poisonings.
Time-Limited Pet Insurance
- Covers illnesses and conditions up to a set financial limit per condition within a certain time frame.
Lifetime Pet Insurance
- Covers conditions throughout the pet's life but typically with an annual financial cap per condition.
Preventive Care Pet Insurance
- Wellness plans that cover vaccines, flea/tick treatments, and routine check-ups.
Comprehensive Pet Insurance
- Combines accident and illness coverage for all kinds of medical care including hereditary and congenital conditions.
Major Medical Pet Insurance
- Covers significant operations and procedures with higher claims and deductibles designed for emergency care rather than routine visits.
Exotic Pet Insurance
- Coverage for non-traditional pets such as reptiles, birds, and small mammals.
Commercial Insurance
General Liability Insurance
This basic insurance provides protection against claims of bodily injury, property damage, and advertising injury.
Professional Liability Insurance (Errors & Omissions)
Coverage for businesses against claims of negligence, misrepresentation, or inaccurate advice.
Product Liability Insurance
Insurance for manufacturers, wholesalers, or retailers against claims resulting from a defective product that causes injury or damage.
Commercial Property Insurance
Protection for business property and assets, including buildings, equipment, inventory, furniture, and electronic data from fire, theft, and natural disasters.
Business Interruption Insurance
Compensates for lost income and expenses if a company must temporarily cease operations due to a covered event.
Commercial Auto Insurance
Covers vehicles owned or leased by a business, providing liability and damage coverage.
Workers' Compensation Insurance
Provides benefits to employees who get injured or ill on the job, covering their medical costs and a portion of lost wages.
Directors and Officers (D&O) Insurance
Protects corporate directors and officers from personal losses if they are sued for alleged wrongful acts while managing a company.
Employment Practices Liability Insurance (EPLI)
Guards against claims from employees alleging discrimination, wrongful termination, harassment, or other employment-related issues.
Cyber Liability Insurance
Offers protection for businesses from Internet-based risks and more general risks relating to information technology infrastructure and activities.
Commercial Umbrella Insurance
Provides additional liability coverage over and above the limits of a business's other policies.
Business Owner’s Policy (BOP)
A bundled package that combines general liability insurance, property insurance, and other common coverages into one convenient policy.
Surety Bonds
Ensures contract completion in the event that a business cannot fulfill its contractual obligations.
Fidelity Bonds
Protects a business from losses caused by fraudulent acts of employees.
Crime Insurance
Coverage against business losses due to crime such as theft, burglary, robbery, forgery, and fraud.
Marine Insurance
For companies that transport goods, this covers loss or damage of cargo, ships, terminals, and any transport by which the property is transferred.
Aviation Insurance
Protects against losses resulting from aviation risks, such as damage to aircraft and liability for passenger injuries.
Builder's Risk Insurance
Covers buildings under construction, as well as materials and equipment used in the project.
Environmental Liability Insurance
Provides coverage for clean-up costs, pollution damages, and related environmental liabilities
Equipment Breakdown Insurance
Covers the costs associated with mechanical or electrical breakdown of equipment.
Business Travel Insurance
Protects employees and executives while traveling on company business against travel-related risks.
Key Person Insurance
Life insurance on the key individuals in a business, providing financial stability in case of their unexpected death.
Group Health, Dental, and Vision
Offers health insurance plans for employees, which may include dental and vision coverage.
Intellectual Property Insurance
Protects businesses against losses caused by infringement of intellectual property rights.
Kidnap and Ransom Insurance
Provides coverage for costs associated with kidnapping, such as ransom payments, loss of income, and other expenses.
Event Insurance
Coverage for events hosted by a business against cancellations, liabilities, property damage, and other risks related to hosting events.
Host Liquor Liability Insurance
For businesses that serve alcohol at functions, protecting against claims arising from the service of alcohol.