General Liability
General liability commonly addresses certain third-party bodily injury, property damage, and advertising-related claims arising from business operations, subject to policy terms and exclusions.
Business Property
Property coverage can help protect buildings, equipment, inventory, furniture, computers, and other business property. Off-premises property, leased equipment, and specialized items may need separate review.
Workers Compensation
Workers compensation rules vary by state and situation. Businesses with employees should understand applicable requirements, payroll classifications, and the work employees actually perform.
Professional Liability
Businesses that provide advice, professional services, designs, consulting, or other expertise may have errors-and-omissions exposures that general liability is not designed to address.
Commercial Auto
Businesses that own vehicles or regularly use autos for deliveries, service calls, hauling, or other operations should review whether commercial auto coverage is needed. Personal auto policies may exclude or limit some business use.
Other Coverage Categories
Cyber, employment practices, business income, inland marine, umbrella/excess, crime, product liability, and other specialized policies can be relevant depending on the operation.
Start With the Exposure, Then Match the Policy
- What could injure a customer or damage their property?
- What property would be expensive to replace?
- What could stop revenue after a loss?
- What services or advice could create a financial claim?
- What do contracts, landlords, or clients require?