# Hazar Insurance

> Independent insurance brokerage since 1985 offering business, group health, commercial, auto, and home insurance through 300+ A-rated carriers across MD, DC, NY, FL, and TX.

Hazar Insurance is a full-service independent brokerage. We work for clients (not carriers) and compare options across 300+ A-rated insurers for personal, commercial, life, and group health coverage.

## Pages

- [Home](/): Brokerage overview, hero, industries served, and quote request.
- [About](/about): Company history (founded 1985), mission, offices, carrier partners, and licensing.
- [Hazar Commercial](/commercial): Business insurance — general liability, workers compensation, commercial auto, BOP, professional liability.
- [Hazar Elite](/elite): High-value personal coverage for affluent households, luxury autos, and high-value homes.
- [Hazar Direct](/direct): Standard personal auto and home insurance with fast quotes.
- [Hazar Private](/private): Concierge insurance program for ultra-high-net-worth clients.
- [Careers](/careers): Open roles and information about working at Hazar.
- [Resources](/resources): Educational content for policyholders.

## Resources

- [Insurance Glossary](/insurance-glossary): Plain-language definitions of common insurance terms.
- [Claim Filing Tips](/claim-filing-tips): Step-by-step guidance and carrier claim contacts for auto, home, and business claims.
- [Driver's License Guide](/drivers-license-guide): REAL ID requirements, documents needed, and state DMV variations.
- [Independent Broker Benefits](/resources/independent-broker-benefits): What an independent insurance broker is and why it beats a single-carrier direct writer.

## Optional

- [Privacy Policy](/privacy): How we collect, use, and protect client data.
- [Terms of Service](/terms): Website and service terms.
- [Private Vault](/private-vault): Authenticated document vault for existing clients.