General liability insurance policies typically cover you and  your company for claims involving bodily injuries and property damage resulting from your operations, services and products while on or away from your premises.  This is an essential coverage for any business operation.

Property insurance provides protection against most risks to property, such as fire, theft, wind, hail, and other causes of loss.  Coverage is available for buildings, contents, equipment, inventory and loss of income caused by interruption of business from a covered cause.

Business or commercial auto insurance covers vehicles used by the business or organization.  This can include vehicles owned, leased, hired, and borrowed.  Coverage is available for liability exposures, as well as, damage to the vehicle.

Workers’ compensation is a state-mandated insurance program that provides benefits to employees who suffer job-related injuries and illnesses and includes a portion of lost wages resulting from injury.  Each state has its own laws and programs for workers’ compensation that can often be combined into a single policy.

A type of liability coverage designed to protect traditional professionals (e.g.-accountants, attorneys, real estate brokers, consultants, doctors, designers) against liability incurred as a result of errors and omissions in performing their professional services.

A surety bond is a promise by a surety or guarantor to pay one party (the obligee) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract.  The surety bond protects the obligee against losses resulting from the principal’s failure to meet the obligation.

Life insurance is a contract between an insurer and a policyholder in which the insurer guarantees payment of a death benefit to named beneficiaries upon the death of the insured.

Most notably, but not exclusively, cyber and privacy policies cover a business’ liability for a data breach in which the firm’s customers’ personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm’s electronic network.