If you have any special items that may be rare and costly to replace, or if you’re hosting a special event where you are liable for your guests, it’s likely that you’ll need Speciality Insurance! Be sure to check out some of our Speciality Insurance Services that we offer as some incidents will not be covered under your basic policies! When you’re hosting a party or taking ownership of a family heirloom, there’s nothing worse than being responsible for damages that were out of your control.