The Insurance - Property & Casualty industry is a sector of the insurance industry that provides coverage for physical property, such as buildings, vehicles, and other tangible assets, as well as for liability arising from the ownership or use of such property. Property & Casualty insurance is typically sold through independent agents and brokers, and is often divided into two main categories: personal lines and commercial lines. Personal lines insurance includes coverage for individuals and families, such as homeowners, renters, and auto insurance. Commercial lines insurance includes coverage for businesses, such as general liability, workers compensation, and commercial auto insurance.