The main commercial coverages, explained in plain language.
- General liability: Claims that your business hurt someone or damaged their property.
- Business owners policy: A bundle of property and liability coverage for many smaller businesses.
- Commercial property: Your building, equipment and inventory, plus income lost during a covered shutdown.
- Commercial auto: Vehicles your business owns or leases, and employees driving for work.
- Workers’ compensation: Medical bills and lost wages for employees hurt on the job.
- Professional liability (E&O): Claims that your advice, design or service caused a client a financial loss.
- Cyber liability: Costs after a data breach, ransomware attack or fraudulent funds transfer.
- Employment practices liability: Claims from employees about hiring, firing, discrimination or harassment.
- Management liability: Claims against owners, directors and managers over how they run the business.
- Crime: Theft and fraud of money and property by employees or outsiders.
- Commercial umbrella and excess: Added liability limits above your primary policies.
- Inland marine: Tools, equipment and property that move from job to job.
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.