Coverage library
Business insurance coverage types
Policy names are shorthand, not guarantees. Use these explainers to understand the risk each coverage is designed to address and the exclusions or conditions worth checking.
General liability insurance
Third-party bodily injury, property damage, and certain advertising injury claims.
What it covers →Professional liability / E&O
Claims alleging mistakes, negligence, missed deadlines, or failures in professional services.
What it covers →Commercial property insurance
Business-owned property at a scheduled location, subject to covered causes of loss.
What it covers →Commercial auto insurance
Vehicles used in business, when personal auto coverage is not designed for the exposure.
What it covers →Workers' compensation
Work-related employee injuries and illnesses, with requirements that vary by state and business structure.
What it covers →Cyber insurance
First-party and/or third-party costs tied to certain cyber incidents, depending on the policy.
What it covers →Tools & equipment / inland marine
Portable business property that travels away from a fixed premises.
What it covers →