What types of insurance are primarily offered by brokers?

Brokers primarily offer a wide range of insurance products that cater to both personal and commercial needs. Property insurance, for example, protects against risks associated with damage to physical assets, such as homes and commercial buildings, making it an essential component of most brokers' offerings. Liability insurance is another significant category, as it covers claims resulting from injuries or damages to others, which is vital for both individuals and businesses.

Auto insurance is particularly important within the personal insurance sector, as it is legally required in many jurisdictions and protects against financial loss in the event of vehicle-related incidents. Life insurance rounds out this answer, providing essential financial protection for dependents in the event of the policyholder's death.

While the other choices contain important forms of insurance, they tend to be more specialized or less frequently associated with the core services that brokers offer. For instance, although home insurance is a crucial product, it is typically considered a subset of property insurance. Similarly, while commercial insurance and cyber insurance are important, they are often tailored to specific business needs. The selected answer captures a more comprehensive and commonly encountered array of products that brokers are likely to be involved with in their day-to-day operations.