Our Locations
Loading
Preparing your coverage insights...
Which Coverage Do You Need?
Not sure where to start? Tell us if you are protecting your household or your company, and we will point you to the right coverage and carriers. Licensed in PA, TX, VA, MD, OH, TN, KY.
Pick Your Path
Personal Insurance
Auto, home, motorcycle, and umbrella coverage designed around your lifestyle and budget.
Business Insurance
General liability, commercial auto, workers comp, and property packages.
Side By Side
| What it protects | Personal Insurance | Business Insurance |
|---|---|---|
| Who buys it | You, your household, and property you own for personal use | A company, a self-employed operator, or property used to generate income |
| Common products | Auto, home, renters, umbrella, motorcycle | General liability, commercial auto, workers compensation, commercial property |
| A vehicle used for work | Covers commuting and personal errands only | Covers client visits, deliveries, and equipment hauling a personal policy excludes |
| A property you rent out | Landlord insurance, still a personal-lines product | A commercial policy only if the property is titled to a business |
| An injury on the property | Homeowners or renters liability covers a household guest | General liability covers a customer, client, or delivery visitor |
A Common Gap
A lot of Dragon clients need a foot in both categories at once, and most do not realize it until a claim exposes the gap. A homeowner running a business out of a spare room, a landlord who also insures the home they live in, or a driver who uses a personal vehicle for work errands are all common examples where one policy alone leaves real exposure.
Tell us what you are protecting and we quote the right mix from both sides at once, so you are not stuck discovering the gap after a claim instead of before one.
Home-based business
A homeowners policy typically excludes business equipment, business liability, and lost business income. We add a business owners policy or general liability alongside it.
Landlord who also owns a home
Your own home stays on a homeowners policy. The property you rent out needs its own landlord policy, we quote both together.
Personal vehicle used for work
Client visits, deliveries, or hauling equipment can fall outside a personal auto policy. A hired and non-owned auto endorsement closes the gap.
Side business, day job
Freelance or contract work run alongside a full-time job still needs its own liability coverage, your employer's policy does not extend to it.
Common Questions
Usually both. A standard homeowners policy typically excludes business equipment, business liability, and lost business income, so a home-based business generally needs a business owners policy or general liability alongside the homeowners policy that already covers the house itself. We quote both together so nothing sits in the gap between them.
Yes. One conversation covers both. We compare carriers across 30+ options for your personal auto, home, or umbrella coverage and your business general liability, commercial auto, or workers compensation together, so you are not repeating the same information to two different agents.
Landlord insurance is a personal-lines product in most cases, not a business policy, since it covers a property you own rather than a company you operate. A standard homeowners policy does not extend to a property you rent out, so a dedicated landlord policy replaces it once a home stops being owner-occupied.
If you use your personal vehicle for anything beyond commuting, such as client visits, deliveries, or transporting equipment, your personal auto policy can exclude that use entirely. A hired and non-owned auto endorsement or a full commercial auto policy closes that gap; we can tell you which one fits after a short conversation about how the vehicle is actually used.
That is what the call is for. Tell us what you are protecting, a household, a rental, a business, or some combination, and we match you to the right policies and carriers rather than asking you to diagnose it yourself first.
Blog
Guides on coverage, claims, and ways to save for families and businesses.
May 5, 2026
Workers Compensation Insurance in Pennsylvania: Requirements, Costs & Class Codes
Operating without workers comp in Pennsylvania is a criminal offense, a third-degree misdemeanor with up to $2,500 in fines and a mandatory stop-work order. Learn PA requirements, class codes, EMR, and how to control your premium.
Read article →
May 6, 2026
Professional Liability Insurance (E&O): What It Covers and Who Needs It
Professional liability (E&O) insurance pays defense costs, settlements, and judgments when a client claims your advice, services, or failure to deliver caused them financial harm. General liability does not cover this gap.
Read article →
June 19, 2026
HVAC Contractor Insurance: Cost, Coverage & PA Requirements
HVAC contractors need GL, commercial auto, workers comp, and tools coverage. PA requires workers comp for any employer with employees. Get a free quote to see rates for your situation.
Read article →
April 29, 2026
Business Insurance Basics for Growing Teams
A clear guide to general liability, workers compensation, commercial auto, and BOP coverage, and how to know what your business actually needs.
Read article →
