Coverage library
Business Insurance Coverage Guides
Business policies answer different questions. Use these guides to match coverage forms with operations and contracts.
Reviewed July 6, 2026. Educational guide, not a quote or coverage decision.
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Each page is meant to help a business owner ask better questions before quotes, contracts, renewals, certificates, or claims.
General LiabilityThird-party bodily injury, property damage, personal injury, and advertising injury claims.Workers CompensationEmployee injury benefits and employer liability questions.Professional LiabilityErrors, omissions, negligence, and professional service disputes.Errors and OmissionsService mistakes, missed deadlines, and client financial loss allegations.Business Owners PolicyGeneral liability and commercial property bundled for eligible small businesses.Commercial PropertyBuildings, contents, inventory, equipment, and business personal property.Business InterruptionIncome loss and extra expense after covered property damage.Commercial AutoOwned business vehicles and drivers used for company operations.Hired and Non-Owned AutoRented, borrowed, and employee-owned vehicles used for business.Product LiabilityInjury or damage allegations involving products sold, made, or distributed.Cyber LiabilityData incidents, ransomware response, privacy claims, and notification costs.Employment Practices LiabilityEmployment claims involving hiring, discipline, harassment, or termination.Directors and OfficersManagement decisions, board actions, and nonprofit or private company disputes.Umbrella LiabilityAdditional liability limits over scheduled underlying policies.Commercial CrimeEmployee theft, forgery, funds transfer fraud, and money-related losses.Inland MarineTools, equipment, and property moving between job sites.Tools and EquipmentContractor tools, mobile equipment, and scheduled property.Builder RiskProperty under construction, renovation, or installation.Installation FloaterMaterials and equipment before final installation or acceptance.Contractor General LiabilityJobsite injury, completed operations, and subcontractor questions.Completed OperationsLiability after finished work causes alleged injury or damage.Liquor LiabilityAlcohol-related claims for restaurants, bars, caterers, and events.Garage LiabilityAuto service, repair, towing, and garage operations.Garagekeepers CoverageCustomer vehicles in a business's care, custody, or control.Pollution LiabilityPollutant cleanup, environmental claims, and contractor exclusions.Fiduciary LiabilityEmployee benefit plan management allegations.Employee Benefits LiabilityAdministration errors in employee benefit programs.Fidelity BondEmployee dishonesty protection requested by clients or contracts.Surety BondsPerformance, payment, license, and permit bond questions.Ocean MarineCargo, vessel, and marine-related commercial risk questions.Bailee CoverageCustomer property held by cleaners, repair shops, storage firms, and service businesses.Equipment BreakdownMechanical or electrical breakdown affecting business property.Spoilage CoveragePerishable inventory after equipment failure or certain power issues.Tenant Legal LiabilityDamage to leased commercial premises.Abuse and Molestation CoverageSensitive liability questions for care, youth, and service organizations.Media LiabilityContent, advertising, copyright, defamation, and publication risk.Technology E&OSoftware, it service, platform, and implementation disputes.Medical Malpractice for ClinicsProfessional liability questions for clinics and health service settings.Cargo InsuranceGoods in transit, carrier contracts, and shipment losses.Business Income Extra ExpenseLost income and extra operating costs after covered property damage.Key Person InsuranceBusiness protection after the loss of an essential owner or employee.Buy Sell Funding InsuranceInsurance questions tied to ownership transfer agreements.