Personalized Risk Programs
Coverage built around your life, your family, and your business — not a one-size-fits-all policy pulled off the shelf.
Disability
If you've ever fallen off a ladder, overworked your back until it hurt, or become so ill you were hospitalized, you know these health changes are painful but often temporary. Every day still carries the risk of a disabling event that disrupts your income for longer than that. Your ability to earn is one of your greatest assets — disability insurance protects a portion of it, so an interrupted paycheck doesn't have to mean an interrupted life.
"But while your health was recovering, what happened to your bills? They kept coming, didn't they?"
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Apply While You're Healthy
You get the most favorable terms by buying individual disability income insurance before you need it. Once you're too sick or injured to work, you may no longer be able to get the protection you need.
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Lock In Your Pricing
With a non-cancellable, guaranteed-renewable policy, the amount you pay monthly is locked in, and the insurance company can never cancel your coverage as long as you make your payments on time.
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Secure Coverage Early in Your Career
If you're studying to become a professional — a doctor, dentist, or lawyer — you can apply for coverage before you graduate, with options to increase it as your income grows.
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Customize Your Coverage
Select options to customize your protection, including features that let you increase coverage as your income grows and help it keep pace with the cost of living.
Life Insurance
Some see insurance as another expense, but life insurance plays a role no other financial tool can — providing the best possible outcome during the worst possible time. Whether in your personal life or in business, a strong life insurance portfolio helps ensure your plans can still be accomplished, even if you're not here to see them through.
"Only two things are guaranteed in this life — death and taxes — and life insurance can help with both."
Term Life Insurance
Covers a selected period — generally 10, 20, or more years. Some term policies offer the choice to convert into a whole life policy once the term expires.
Whole Life Insurance
Provides coverage for the entire lifetime of the policyholder, rather than a fixed period.
Dental Insurance
Dental benefits rarely change on your schedule — a new job's plan might have a waiting period, a retirement date might arrive before Medicare-related coverage begins, or a self-employed season might leave you without group benefits at all. Short-term dental coverage bridges exactly that in-between period, so a routine visit or an unexpected issue is never left unprotected.
"A gap in coverage is exactly when problems tend to happen — a short-term plan means you're never caught in between."
Between Jobs
Your previous employer's dental plan has ended, and your next one hasn't started yet.
Waiting Period on a New Plan
Your new employer's dental benefits are in place, but a waiting period stands between you and coverage.
Retiring Before Medicare
You've stepped away from group coverage, and your next chapter's benefits haven't started.
Self-Employed & In Between
You're building your own path, and group dental benefits aren't part of the picture right now.
Long-Term Care
As you look toward retirement, you've likely worked hard to build a life you're proud of — and the last thing you want is for an unexpected health event to unravel the security you've created. Long-term care coverage helps pay for the cost of care later in life, when Medicare won't, making it one of the most invaluable planning decisions for every generation in the family.
"Thoughtful, proactive planning can make an enormous difference — protecting your independence and your family from financial hardship, so the focus stays on health, not on how to pay for it."
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State Partnership Plans
Coordinated with your state's long-term care partnership program to help protect assets while qualifying for coverage.
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Stand-Alone LTC Policies
Dedicated long-term care coverage for home health, assisted living, and nursing home care.
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Hybrid Life + LTC Policies
Combines life insurance with long-term care benefits, so the policy pays a benefit either way.
Business Insurance
General coverage protecting your company's operations, assets, and liability exposure. Representing clients across industries and business types, Cavalry resolves professional and business insurance needs with untethered advice — our agency's independence means an autonomous look at your unique risks, and coverage placed with the right carriers, not just the most convenient one.
Day-to-Day Operations
Coverage designed to protect against the risks that come up in the normal course of running your business.
Business Assets
Protection for the property, plant, and equipment that keep your business running.
Owners & Executives
Insurance designed to protect you, your executives, and your shareholders from liabilities created by running the business.
Commercial Property Insurance
Protects your business's physical location, equipment, and inventory from damage or loss — covering the facilities and assets your operations depend on, whether owned or leased.
General Liability Insurance
General liability (GL) insurance provides broad protection for basic liability risks — legal liability arising from third-party bodily injury or property damage caused by your personal actions, or on personal premises you own. While it doesn't cover every possible peril, GL is broad enough to include legal and court costs, as well as claims paid in lawsuits if someone or something is harmed by you or things that belong to you.
"The more wealth you have, the greater the likelihood you'll be sued after an accident — even when the claim against you is meritless."
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Your Dog Bites the Neighbor
A single incident on your own property can lead to a claim for medical costs, legal fees, and damages.
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A Guest Is Hurt on Your Boat
Recreational property and watercraft carry their own liability exposure beyond a standard homeowners policy.
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An Offhand Comment Causes Harm
Being overheard speaking ill of a local business can lead to a defamation claim, even without intent.
Umbrella/Excess Liability
With a standard general liability policy's claims limit topping out at $1 million per occurrence, excess liability sits on top of your existing policies — general liability, auto, and homeowners alike — adding up to $5 million more in personal liability protection and legal defense expenses. It protects you against catastrophic loss that could otherwise exhaust your primary coverage.
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General Liability
Extra protection once its $1 million per-occurrence limit is reached.
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Auto Liability
Additional protection beyond your auto policy's limits after a serious accident.
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Homeowners Coverage
Extra protection beyond your homeowners policy's liability limit.
Cyber Insurance
Most people plan for the risks they can picture — a car accident, a house fire, a lawsuit. Digital risk is different: it's harder to picture, so it's easier to underestimate, even though a single compromised account or a breach at a business you run can carry a very real financial cost. Cavalry treats digital risk like any other exposure in your financial plan — something to identify, size up, and cover appropriately, alongside your home, auto, and liability coverage.
"Every account you hold online is a potential entry point — protecting your finances today means protecting your digital footprint too."
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Personal Identity Theft
Your personal information is used to open accounts, file claims, or make purchases in your name.
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Business Data Breach
A breach exposes client, employee, or customer data that a business you own is responsible for protecting.
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Ransomware & Extortion
Access to files or systems is held hostage, demanding payment before operations can continue.
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Financial Account Fraud
A compromised login or a convincing scam leads to funds being moved out of an account without your consent.
High-Net-Worth Protection
Your lifestyle is worth protecting — and if you have a little more, you just need a little more covered. High-net-worth individuals face increased exposure to lawsuits, simply because others often know they have wealth and are targeted for it. Specialized, tailored coverage closes that gap, protecting the assets and the lifestyle you've built.
Primary, Secondary & Vacation Homes
Full protection for your main residence and secondary properties.
High-End Autos & Classic Vehicles
Specialty auto insurance for luxury, exotic, and collector vehicles.
Private Collections & Collectibles
Coverage for jewelry, watches, wine, firearms, and fine collectibles.
Artwork & Antiques
Coverage designed for fine art, rare pieces, and museum-quality collections.
Kidnap & Ransom Coverage
Specialized coverage for personal security threats.
Not Sure Which Coverage You Need?
Let's walk through your situation and put together a risk program that actually fits it.
Book an Appointment
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