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Business Insurance Fundamentals

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General Liability Insurance

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Protects against financial loss due to bodily injury, property damage, or personal injury caused by your business operations or products.

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Professional Liability Insurance

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Also known as errors and omissions insurance, it covers negligence, mistakes, or failure to provide the level of advice or service expected by a customer.

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Product Liability Insurance

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Covers claims of bodily injury or property damage caused by products your business manufactures or sells.

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Commercial Property Insurance

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Provides protection for your business's physical assets from fire, explosions, burst pipes, storms, theft, and vandalism.

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Business Interruption Insurance

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Compensates for lost income and helps pay for operating expenses if your business is temporarily unable to operate due to a covered event.

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Workers' Compensation Insurance

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Provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more.

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Commercial Auto Insurance

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Covers vehicles used for business purposes including liability damages and physical damage to the vehicles.

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Data Breach Insurance

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Also known as cyber liability insurance, it protects against the costs associated with a data breach, such as legal fees, public relations, and compensating affected customers.

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Employment Practices Liability Insurance

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Provides protection against employee claims alleging discrimination, sexual harassment, retaliation, and wrongful termination.

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Directors and Officers Insurance

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Protects the personal assets of corporate directors and officers in the event they are personally sued for wrongful acts managed in their role as directors or officers.

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