Liability Insurance Policy Information

Liability Insurance. In some situations, a person or business may unwillingly cause a person or party to be injured or damaged. If the affected person claims the damage, the individual or organization may undergo financial loss.
For example, a mail carrier may slip on your icy driveway and get injured. He can sue you for pain, suffering, medical expenses and lost income. A customer gets sick from using one of your products and takes your business to court. You accidentally injure someone while driving and wind up in court, paying substantial legal bills.
No one is immune from such occurrences. Without adequate liability insurance coverage, they can cause devastating effects to your business or career.
Liability insurance protects your company from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked liability insurance questions:
- What Is Liability Insurance?
- How Much Does Liability Insurance Cost?
- What Are The Main Types Of Liability Insurance?
- Why Do Businesses Need Liability Insurance?
- What Does Business Liability Insurance Cover & Pay For?
What Is Liability Insurance?
Liability insurance is a type of insurance policy that provides coverage to individuals and businesses in the event that they are held liable for damages caused to another person or property. The coverage can be for bodily injury, property damage, personal injury, or a combination of these. This type of insurance protects the policyholder from financial losses that may result from a legal lawsuit or compensation claim made against them.
For individuals, liability insurance is often included in home insurance policies or may be purchased as an individual policy. For businesses, liability insurance is a must-have to protect against potential lawsuits from customers, employees, or other third parties. This type of insurance covers the cost of defending a lawsuit, as well as any damages or settlements awarded to the plaintiff.
Liability insurance is crucial for individuals and businesses as it provides peace of mind in the event of an accident or loss. Without liability insurance, the policyholder would have to bear the financial burden of paying for damages and legal fees out of pocket. This can result in significant financial loss and potentially ruin the policyholder's financial stability.
In conclusion, liability insurance is a type of insurance policy that provides protection against financial losses that may result from a legal lawsuit or compensation claim made against the policyholder. It is essential for individuals and businesses to have liability insurance to mitigate the risk of financial loss and ensure financial stability in the event of an accident or loss.
How Much Does Liability Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 Liability Insurance policy for small businesses ranges from $27 to $59 per month based on location, size, payroll, sales and experience.
What Are The Main Types Of Liability Insurance?
With court awards and legal fees getting more and more expensive, it is vital for everyone to get liability coverage from a trusted liability insurance provider. The insurer's duty is to defend you and cover legitimate claims posed against you up to a certain limit.
All costs including your defense costs and the cost of settling claims are covered, and this provides you with invaluable peace of mind.
Liability insurance protects you against loss if your actions, negligence, or a condition of your property causes injury or death to a person or property belonging to another person is damaged or destroyed. Without liability insurance, you would be on your own if you are found legally responsible for any number of reasons.
Below are the some main types of liability insurance that businesses and professionals should consider.
Why Do Businesses Need Liability Insurance?

Workers Compensation Insurance
According to law, employers in are responsible for the safety of their employees whenever they are at work. An employee may get injured while they work, or a former employee becomes ill due to the work they did while on your employment.
Such employees may sue you or your organization and claim compensation if they believe that you are responsible.
Employers' liability insurance ensures that you are protected from financial loss due to such claims. However, if your employee gets injured due to a motor accident, you may be covered by your motor insurance against any compensation claims.
Employee liability insurance is compulsory in most states for any employees of a business that are not owners, and you can be fined for not having a current insurance policy that complies with state laws.
General Liability Insurance
Public liability insurance covers an individual, business, a contractor or even a community building from any costs of legal action if they are found responsible for injury or death of a person, or loss or damage of property.
It covers you from claims made by members of the public or other businesses against you, but your employees can't sue you. Unlike employers' liability, public liability insurance is not compulsory in most cases.
Nevertheless, businesses in all industries are recommended to have a public liability cover if there is a likelihood of being sued for negligence.
In some cases, it is mandatory. For example, licensing authorities may require a business to have it to hold public events. This type of cover does not help you if you are involved in known criminal actions or hazardous activities.
The popularity of public liability insurance is increasing, and it may be included in insurance policies. If you find out that you are covered for public liability in other insurance products, ensure that the amount you are covered is enough.
Product Liability Insurance
According to government statistics, defective and dangerous products cause thousands of injuries annually in the United States. Responsibility for such injury may be distributed among all people who are involved in the product chain.
Parties exposed to product liability claims include the manufacturer, importer or distributor, the party who assembles and installs the products, the wholesaler and the retail store from which the customer got the product.
If you manufacture, import, sell or distribute products in, you should have product liability cover from your liability insurance company of choice. It covers you for any damage or injury that may be caused by the use of your products.
People who believe that they have been harmed by your product can sue you without having to prove that you were negligent or had the intention to cause harm.
Product liability insurance may also cover for claims made by a customer if they are harmed by the lack of adequate instruction on the use of a product. These claims might even be due to failure to warn on your product label. Therefore, this type of insurance is vital to any business that manufactures or distributes products.
Professional Liability
Regardless of how many years of experience you or your firm may have, there is a possibility that one day you or one person in your team will make a mistake. It might be professional negligence, loss of data, unintentional breach of confidentiality or defamation.
Professional liability (also know as errors and omissions (E&O) and malpractice) are designed to protect professionals such as doctors, lawyers, chartered accountants, architects, etc. from legal liabilities to pay for any damage caused by their negligence as they perform their professional duties.
Someone may sue you if he/she suffers a loss after applying your professional advice or receiving your service. Different types of professional indemnities are designed for different professions. For instance, the medical profession has medical insurance indemnity as a requirement for professional registration or licensing.
With respect to industry bodies regulatory requirements, professional indemnity liability insurance is mandatory especially for professionals such as accountancy, surveying, engineering to name but a few. Also, professionals working on contract terms such as IT consultants, business and management consultants will certainly need professional liability insurance to get a contract.
However, large or small a professional business is, without PI insurance the business is left vulnerable to financial and reputation compromise.
What Does Business Liability Insurance Cover & Pay For?

Following are some examples of business liability insurance claims and what insurance can cover:
1. Slip and Fall Accidents: A customer slips on a wet floor in your store and suffers an injury. The customer decides to file a lawsuit against your business for medical expenses and lost wages. Liability insurance can help cover the legal costs, including attorney fees and any settlement or judgment awarded to the plaintiff.
2. Product Liability: Your company manufactures a product that causes harm to a consumer due to a defect in its design or manufacturing process. The injured party files a lawsuit against your business for damages. Liability insurance can help cover the cost of defending the claim, as well as any potential settlements or judgments that may be awarded.
3. Professional Negligence: Your business provides professional services, such as consulting or financial advice, and a client claims that your negligence led to financial loss or other damages. The client files a lawsuit seeking compensation. Liability insurance can help cover the costs of defending the claim and any settlements or judgments that may be awarded to the client.
4. Defamation: A competitor accuses your business of making false or damaging statements about their company, resulting in lost revenue or a damaged reputation. The competitor decides to file a defamation lawsuit against your business. Liability insurance can help cover the legal costs, such as attorney fees, and any settlement or judgment awarded to the plaintiff.
5. Advertising Injury: Your business runs an advertising campaign that inadvertently infringes on someone else's copyright, trademark, or other intellectual property rights. The aggrieved party files a lawsuit against your company. Liability insurance can help cover the costs associated with defending the claim, including attorney fees, and any settlements or judgments awarded to the plaintiff.
Small Business Insurance By Industry And/Or Type
Select the general industry or small business insurance type link below to find more detailed information on coverage, costs, exclusions and more:
- Advertising, Marketing and Media
- Agribusiness
- Arts and Recreation
- Auto Sales, Service And Repair
- Aviation
- Bonds
- Children And Pets
- Commercial Property
- Construction Contractors
- Contractors And Home Improvement
- Education, Colleges, Universities And Schools
- Financial Institutions
- Food And Drink
- Health And Beauty
- Information Technology And Internet
- Local, State And Federal Government
- Lodging Places
- Manufacturing
- Marine, Boat And Watercraft
- Medical And Dental
- Miscellaneous
- Non-Profit
- Professional Services
- Real Estate
- Retail
- Small Business Commercial Auto
- Small Business Insurance
- Sports And Fitness
- Warehouse And Storage
- Wholesale And Distribution
- Workers Compensation
Advertising, Marketing and Media
Learn about media liability insurance - a specialized form of professional liability insurance policy that provides protection for legal claims brought by third parties.
- Advertising Agency
- Book Publishers
- Call Center
- Direct Mailing Services
- Graphic Arts
- Graphic Designers
- Magazine Publishers
- Market Research Firm
- Marketing Consultant
- Podcast Insurance
- Printers & Publishers
- Public Relations
- Radio Stations
- Search Engine Services SEO
- Social Media Consultant
- Television Stations
Agribusiness
Learn about small business agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.
- Aquaculture Fish Farm
- Beekeepers
- Commercial Fishermen
- Crop
- Dairy Farm
- Equine & Horse Farm
- Farm And Ranch
- Farm Equipment Dealers
- Farm Labor Contractors
- Livestock & Cattle
- Mushroom Farms
- Nursery And Greenhouse
- Nut Farm
- Orchards & Groves
- Poultry Farm
- Sheep & Goat Farm
- Swine, Hog & Pig Farm
- Tobacco Farm
- Specialty Farm Risks
Arts and Recreation
Read up on small business arts and recreation insurance.
- Amusement Parks
- Archery Ranges
- Artist
- Athletic Fields
- Ballparks
- Ballrooms
- Billiard And Pool Halls
- Bowling Alleys
- Carnivals
- Cave Tours
- Dance Studio
- Disc Jockey DJ
- Drive-In Theaters
- Entertainers And Performers
- Event Planning
- Fairs And Fairgrounds
- Film Production
- Fine Art
- Guides & Outfitters
- Handball & Racquetball Courts
- Horse & Dog Racetracks
- Indoor Sports Complexes
- Interior Decorator
- Interior Design
- Musicians
- Motorsports Racetracks
- Photo Booth
- Photographer
- Recording Studio
- Recreation Centers
- Riding Stables
- Roller Skating Rinks
- Shooting Ranges
- Skateparks
- Skeet & Trap Shooting Ranges
- Ski Resorts
- Stadiums
- Talent Agency
- Tennis Centers
- Theaters
- Video Arcades
- Wedding And Special Event
- Specialty Arts And Antiques
- Specialty Clubs And Leisure Time Activities
- Specialty Entertainment
Auto Sales, Service And Repair
Read about auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.
- Auto Dealers
- Auto Detailing & Mobile Car Wash
- Auto Dismantlers
- Auto Garage
- Auto Glass Repair Shops
- Auto Paint Shops
- Auto Service Repair
- Auto Supply Parts Store
- Car Rental
- Car Wash
- Gas Station
- Motorcycle Dealers
- Parking Lot
- RV Dealers
- Snowmobile Dealers
- Truck Rental
- Used Car Dealer
Aviation
Learn about aircraft and aviation liability insurance - a specialized form insurance that provides coverage for hull losses as well as liability for passenger injuries, environmental damage and third-party damage caused by aircraft accidents.
- Aerial Applicators
- Airports
- Aviation
- Flight Schools
- Helicopter
- Hot Air Balloon
- Unmanned Aerial Vehicles (UAV) Drone
- Specialty Aircraft And Airports
Bonds
Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.
Children And Pets
Discover what business insurance policies cover for children and pet related small businesses.
- Day Care Insurance
- Dog Walking
- Kennels
- Pet Groomer
- Pet Sitting
- Preschools
- Specialty Animals And Birds
Commercial Property
Read up on commercial property insurance coverage, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.
- Apartment Building
- Business Interruption
- Commercial Flood Insurance
- Commercial Property
- Condo Association
- Contractors Equipment
- Duplex Rental Property
- Dwelling
- Electronic Data Processing Equipment
- Equipment Breakdown Protection Insurance
- Homeowners Association Insurance
- Inland Marine
- Jewelers Block
- Manufacturing And Mercantile Rental Property
- Mobile Home Park
- Non-Residential Building Operators
- Office Buildings
- Shopping Center & Strip Mall
- Vacant Land
- Vacant Property
- Specialty Habitational
- Specialty Inland Marine
- Specialty Property
Construction Contractors
Learn about construction contractors insurance, including how much the premium costs and what is covered - and how liability insurance can help protect your construction business from lawsuits.
- Blasting & Drilling Contractors
- Bridge Contractors
- Building Contractors
- Cable Layers
- Concrete
- Construction
- Demolition Contractors
- Dock & Pier Contractors
- Dredging Contractors
- Excavation
- Foundation Layers
- Framing
- General Contractors
- Masonry
- Mechanical
- Millwright
- Paving
- Road Contractors
- Roofing
- Sewer Contractors
- Steel Erection Contractors
- Surety Bonds
Contractors And Home Improvement
Learn about contractor's insurance, including what it covers, how much it costs - and how business insurance can help protect your small business from lawsuits.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Carpentry
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- Handyman
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Landscaping
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Locksmith
- Oil And Gas Well Drilling Contractors
- Painters
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Plumbing
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Subcontractor
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Tank Cleaners
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
- Specialty Contractors
Education, Colleges, Universities And Schools
Learn about insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.
- Art School
- Beauty School
- Charter School
- Chiropractic Schools
- Colleges, Universities & Professional Schools
- Driving Schools
- Educational Services
- Language School
- Microschools
- Music Schools
- Private Schools
- Real Estate School
- Tutoring
- Specialty Schools And Education
Financial Institutions
Discover the types of commercial insurance that banks, finance companies and other financial institutions need to protect their asset management, deposit, lending, investment and other operations.
- Banks
- Check Cashing
- Credit Union
- Currency Exchanges
- Finance Companies
- Insurance Company
- Mortgage Broker
- Specialty Financial Institutions And Services
- Specialty Insurance Services
Food And Drink
Learn about restaurants, bars, liquor stores insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.
- Bagel Shop
- Bakery
- Bar
- Brewery
- Catering
- Coffee Shop
- Concession Stand
- Delicatessen
- Farmers Market
- Grocery Store
- Ice Cream Shop
- Internet Cafe
- Liquor Store
- Nightclub
- Pizzeria
- Restaurant
- Sandwich Shops
- Supermarket
- Tavern
- Winery
- Specialty Food And Restaurants
Health And Beauty
Learn about small business health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.
- Acupuncture
- Barber Hair Dresser
- Beauty Salon
- Chiropractic
- Cosmetology
- Day Spa
- Diet Nutrition Services
- Esthetician
- Massage Therapy
- Medical Spa
- Nail Salon
- Permanent Cosmetics And Microblading
- Personal Trainer
- Tanning Salon
- Tattoo
- Weight Loss Center
Information Technology And Internet
Learn about IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.
- Application Development
- Amazon Seller
- Artificial Intelligence
- Computer Electronic Repair
- Computer Programming
- Computer System / Network Developer
- Cyber Liability
- Data Breach
- eBay Sellers
- eCommerce
- Electronic Data Processing
- Electronic Data Processing Equipment
- Internet Business
- Internet Service Provider
- IT Consultant
- Online Store
- Social Media
- Software Developer
- Technology Services
- Telecommunications
- Website Design
- Specialty Computer
Local, State And Federal Government
Discover what types of commercial insurance government entities need.
- Auditoriums
- County Administration Offices
- Courthouses
- Fire Departments
- Government Buildings
- Jails
- Law Enforcement Entities
- Municipalities
- Public Buildings
- Townships
- Specialty Government
Lodging Places
Find out what types of business insurance that hotels, motels and other lodging places should have to protect their varied operations.
- Bed & Breakfast
- Boarding & Rooming Houses
- Fraternity Houses
- Hostels
- Hotel Motel
- Sorority Houses
- Specialty Hotels And Motels
Manufacturing
Learn all about manufacturing insurance. Manufacturers face many unique risks such as product liability and/or product recall exposures due to the nature of their business operations.
- 3D Printing
- Adhesives
- Alarms
- Audio & Video Equipment
- Auto Parts
- Bottling Plants
- Boxes
- Bricks
- Brooms & Brushes
- Buttons
- Cabinets
- Camping Equipment
- Canned Fruit & Vegetables
- Cans
- Canvas Products
- Caskets
- CBD Oil And Hemp
- Cement
- Ceramics
- Chemical
- Clock & Watch
- Clothing
- Coffee
- Commercial Air Conditioning
- Commercial Electronics
- Communications Equipment
- Computers
- Condoms
- Construction Equipment
- Cork Products
- Cosmetics
- Cutlery
- Dairies & Creameries
- Down And Feather Products
- Dry Ice
- Dyes & Pigments
- Electronic Toys & Games
- Electroplating
- Elevators
- Engines
- Exercise Equipment
- Farm Equipment
- Feed & Grain
- Fences
- Fertilizer
- Fireworks
- Flavoring Extracts
- Frozen Foods
- Fruit Juice
- Fur Garment
- Garage Door
- Gears
- Glass
- Glassware
- Gypsum Products
- Hosiery
- Ice Cream
- Industrial Equipment
- Ink
- Insecticides
- Iron & Steel Foundries
- Jewelry
- Lawn Mowers
- Leather Apparel
- Leather Goods
- Lighting & Wiring
- Lumber & Wood Products
- Machine Shop
- Major Electrical Appliances
- Manufacturing
- Marijuana Products
- Mattresses & Box Springs
- Metal & Plastic Furniture
- Metal Heat Treating
- Metal Toys
- Millwork
- Monuments
- Musical Instruments
- Nanotechnology
- Nonferrous Foundries
- Ornamental Metalwork
- Paint
- Paper & Allied Products
- Pesticides
- Pet Food
- Pharmaceuticals
- Plastic & Rubber Toys
- Plastic Goods
- Plastics
- Plastics Molding, Forming & Extruding
- Pottery
- Product Liability
- Prosthetics
- Psychedelic Drugs
- Pulp & Paper Mills
- Refractory
- Residential Air Conditioning & Heating
- Rubber Goods
- Rugs
- Sawmills & Planing Mills
- Screw Machine Products
- Sheet Metal
- Soap & Detergent
- Shoes
- Small Electrical Appliances
- Sporting Goods
- Springs
- Stone Products
- Tanneries
- Textiles
- Textiles Finishing & Coating
- Tires
- Tobacco
- Tool & Die Shops
- Vegetable Juice
- Vending Machines
- Watercraft
- Wire
- Wire Rope
- Wood Furniture
- Woodworking
- Writing Instruments
- Yarn
- Specialty Manufacturing
- Specialty Product Liability
Marine, Boat And Watercraft
Learn about marine, boat and watercraft insurance - a specialized form insurance that provides coverage for hull losses, cargo losses as well as liability for passenger injuries, environmental damage, and third-party damage caused by watercraft accidents.
- Boat Dealers
- Boat Repair & Dry Docks
- Dock & Pier Contractors
- Dredging Contractors
- Marinas
- Ship Chandlers
- Boat & Watercraft Insurance
- Specialty Marine
Medical And Dental
Discover small business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability policy that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.
- Ambulatory Surgical Center
- Art Therapy
- Assisted Living Facilities
- Audiology
- Blood Banks
- Dental Lab
- Dental Office
- Diagnostic Imaging Centers
- Health Maintenance Organizations
- Healthcare Facilities
- Home Medical Equipment Dealers
- Hospitals
- Hypnosis
- Malpractice
- Marriage & Family Therapy
- Medical Clinics
- Medical Laboratories
- Medical Marijuana Dispensary
- Medical Practice
- Medical, Surgical & Hospital Supply Store
- Mental Health Counseling
- Nurse
- Nurse Registry
- Occupational Therapy
- Ophthalmologist
- Optician
- Optometrist
- Osteopathic Physicians
- Otolaryngologists
- Physicians Office
- Plastic Surgeons
- Podiatrists
- Prosthetists
- Psychology
- Psychiatrists
- Skilled Nursing Facility
- Speech Therapy
- Substance Abuse Counseling
- Surgeons
- Telemedicine Business Insurance
- Veterinarian
- Specialty Medical Centers And Clinics
- Specialty Medical Malpractice
Miscellaneous
Find informative articles on miscellaneous businesses including the types of insurance policies and coverage they need, costs and other considerations.
- Adult Daycare
- Agriculture, Forestry, Fishing & Hunting
- Airports
- Bail Agent
- Camp
- Cemetery
- Control of Well
- Electric Utilities
- Employment / Staffing Agency
- Enameling
- Engraving Business
- Facility Support Services
- Flight Schools
- Helicopter
- Hot Air Balloon
- Logging
- Mail Order
- Marina
- Oil And Gas Lease
- Personal Concierge
- Photofinishing Lab
- Pollution
- Portable Sanitation
- Private Water Districts
- Process Server
- Refinery
- RV Parks & Campgrounds
- Security Guard
- Surety Bonds
- Taxidermy
- Township
- Unmanned Aerial Vehicles (UAV) Drone
- Waste Disposal Landfill
- Wedding Planner
- Specialty Accident And Sickness / AD&D
- Specialty Amusement Parks And Rides
- Specialty Auctions And Farmers Markets
- Specialty Business Risks
- Specialty Communication
- Specialty Design
- Specialty Drugs And Alcohol
- Specialty Employee Protection
- Specialty Energy
- Specialty Environmental Risks
- Specialty Firearm And Shooting
- Specialty Hazardous Materials
- Specialty Health Risks
- Specialty Machinery And Tools
- Specialty Merchandise
- Specialty Mobile And Modular Homes
- Specialty Motorcycle Risks
- Specialty Natural Disasters
- Specialty Oil And Chemical
- Specialty Prize Indemnification
- Specialty Programs
- Specialty Railroad
- Specialty Security Risks And Equipment
- Specialty Substandard Risks
- Specialty Travel
- Specialty Weather Related
Non-Profit
Find useful articles on business insurance for non-profit 501(c)(3) organizations, charities and associations.
- Animal Shelter & Pet Rescue
- Charity
- Church
- Classic & Collector Car Clubs
- Fraternal Organization
- Goodwill Industries
- Labor Union
- Libraries
- Nonprofit
- Parent Teacher Organization
- Public Administration
- Red Cross Chapters
- Salvation Army
- Social Work Services
- Veterans Groups
- Volunteers of America
- YMCA
- Youth Groups
- YWCA
- Specialty Community Service Organizations
- Specialty Nonprofit Agencies
Professional Services
Get informed about professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your small business against claims that a professional service you provided caused your client financial loss.
- Accounting
- Actuaries
- Answering Service
- Architects
- Armored Car
- Attorney Lawyer
- Auctioneer
- Auditor
- Background Music Services
- Bookkeeping
- Business Consulting
- Chemical Engineers
- Civil Engineers
- Claims Adjuster
- Commercial Laundries
- Commodity Broker
- Corporate Wellness
- Couriers
- Court Reporter
- Credit Bureaus
- Debt Collection Agency
- Detective Agency
- Diaper Services
- Draftsman
- Electrical Engineering
- Engineering
- Environmental Consultant
- Executive, Career & Life Coaching
- Executive Search Firm
- Expert Witness
- Financial Planner
- Financial Services
- Funeral Directors
- HR Consultant
- Inspection Bureaus
- Insurance Agents & Brokers Insurance
- Interpreter
- Mediator - Arbitrator
- Medical Billing
- Music, Drama & Dance Therapy
- Notary
- Office Machine Repair & Maintenance
- Piano Tuners
- Project Management
- Safety Consultants
- Speakers Bureaus
- Stockbrokers
- Surveyor
- Temporary Staffing
- Tax Preparer
- Title Abstractors
- Valet Parking
- Specialty Consultants
- Specialty Service Business
Real Estate
Learn about real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.
- Corporate Office
- Home Inspection
- Property Manager
- Real Estate Agents
- Real Estate Appraiser
- Specialty Real Estate
Retail
Read valuable retail insurance policy information. In a retail business, you need to have the right type of business insurance coverage so that your store, employees, and inventory are protected.
- Adult Novelty
- Antique Dealers
- Appliance & Electronics Store
- Army Navy Surplus Stores
- Art Dealers
- Art Gallery
- Arts & Crafts Supply Stores
- Bicycle Shop
- Boat Dealers
- Book Store
- Bridal Shop
- Candy Confectionery Store
- Carpet Store
- Cell Phone Stores
- Clothing Store
- Collectibles Memorabilia Store
- Consignment Stores
- Convenience Store
- Cosmetics Store
- Costume Stores
- Dry Cleaning
- Embroidery Services
- Equipment Rental
- Fabric Stores
- Fish Markets
- Flea Markets
- Florist
- Funeral Home
- Furniture Store
- Gift Store
- Greeting Card Stores
- Hardware Store
- Harness & Saddle Shops
- Home Improvement Store
- Infant, Baby & Children's Clothing Stores
- Jewelry Store
- Lamp Stores
- Lingerie Store
- Luggage Store
- Meat Market & Butcher Shop
- Men's Clothing Stores
- Music Store
- Newsstand
- Office Supply Store
- Paint & Wallpaper Store
- Pawn Shop
- Pet Store
- Pharmacy Liability
- Plumbing Supplies Fixtures Store
- Poultry Dealers
- Rent To Own Stores
- Scrap Metal Dealers
- Sewing Store
- Shoe Store
- Sporting Goods Store
- Stationary Store
- Thrift Store
- Ticket Agency
- Tire Store
- Tobacco Store
- Toy Store
- Travel Agency
- Trophy Stores
- Tuxedo And Formal Wear Rental Store
- Vape
- Vending Machine Operators
- Wig Store
- Women's Clothing Stores
- Specialty Retail Stores
Small Business Commercial Auto
Learn about commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.
- Insurance Automotive Terms Glossary
- Amazon Delivery Drivers
- Ambulance Services
- Big Rig Truck
- Bobtail Non-Trucking Liability
- Charter And Tour Bus
- Commercial Auto Liability
- Commercial Electric Vehicle Insurance
- Commercial Van
- DoorDash, GrubHub & Uber Eats Drivers
- Dump Truck
- Food Truck
- Freight Forwarder
- Household Goods Moving
- Limousine
- Motor Truck Cargo
- Non-Owned And Hired Auto Liability
- Owner Operator
- Pizza Delivery
- Repossession
- Taxi
- Tow Truck
- Truck
- Specialty Automobiles, Trucks And Recreational Vehicles
- Specialty Physical Damage
Small Business Insurance
Protect your company and employees with insurance coverage. Read informative articles on small business insurance policies - and how they can help shield your company from legal liabilities.
- Small Business
- Business General Liability
- Business Interruption
- Business Liability
- Business Owners Policy (BOP)
- Certificate of Insurance
- CGL
- Commercial Auto
- Commercial Crime
- Commercial Electric Vehicle Insurance
- Commercial Package Policy
- Commercial Umbrella
- Comprehensive General Liability
- Directors and Officers Liability
- Cyber Liability
- Employment Practices Liability
- Event Cancellation
- Fiduciary Liability
- General Liability
- Home Based Business
- Independent Contractor
- Liability Insurance Certificate
- Liability Insurance
- LLC
- Ocean Marine
- Professional Liability
- Self-Employed
- Specialty Directors And Officers Liability
- Specialty Errors And Omissions
- Specialty Excess
Sports And Fitness
Learn about sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.
- Golf Course & Country Club
- Gym Fitness
- Hole-In-One Insurance
- Ice Skating Rinks
- Martial Arts
- Pilates
- Professional Sports
- Sports Team
- Swim Clubs
- Yoga Teacher
- Specialty Sports And Hobbies
Warehouse And Storage
Learn about warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.
Wholesale And Distribution
Read informative articles on wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.
- Air Conditioning And Heating
- Audio And Video Equipment
- Beer & Ale
- Beverage
- Cabinets
- Cameras & Musical Instruments
- Candy
- CDs, DVDs And Videos
- Clothing
- Coffee
- Confectioners
- Dairy Products
- Drugs
- Dry Goods
- Electrical Appliances
- Electrical Equipment
- Electrical Supplies
- Electronic Equipment
- Envelopes
- Extracts
- Food
- Fruit
- Fur
- Furniture
- Gifts
- Glassware
- Greeting Cards
- Grocers
- Hardware
- Importer & Exporter
- Jewelry
- Lamps
- Liquor Wholesaler
- Lumber
- Manufacturers Representative
- Meat
- Motion Picture
- Novelties
- Paint
- Petroleum
- Plate Glass
- Plumbing Supplies
- Restaurant Equipment
- Roofing Materials
- Rugs
- Seed Merchants
- Shoes
- Stationers
- Theatrical Supplies
- Tires
- Tools
- Toys
- Wallpaper
- Wholesale Florist
- Wholesaler Distributor
- Specialty Dealers And Distributors
Workers Compensation
Learn about workers compensation insurance - a policy provides medical, wage and other benefits to employees who are injured or become ill at work.
- Employers Liability
- Workers Compensation Class Codes
- Workers Compensation Insurance
- Workers Compensation Insurance Laws
- Specialty Workers Comp
Small Business General Liability Insurance Information
Additional Resources For Small Business Insurance

Your small business faces many potential disasters including: fire, floods, theft, equipment breakdown, lawsuits from clients or customers and current & former employees. Any many other risks you haven't even thought about.
A small business commercial insurance program should provide protection for both larger and smaller disasters. The obvious things like fire, flood and theft most business owners think about... but what if a hacker infects your computers with a virus - and files containing private customer information like credit card and Social Security numbers are stolen?
Who is going to pay to fix your customers credit rating etc...? Will your insurance pay for the cost? You need to know that.
Your commercial insurance program should cover events that can close down your company, or cause it to lose revenue. Anything less than that is not enough coverage. Commmercial insurance doesn't cover everything, and all policies have exclusions and limits.
You need a written plan that allows you to get your operations back up and running as quick as possible.
Liability Insurance - The Bottom Line
Even if you are not legally obliged to have liability insurance, without it you are at risk of paying thousands if not millions of dollars in compensation and legal fees whenever suit is brought against you in court. This is in addition to the opportunity cost of lost time and resources when you are defending the allegations against you.
There are many listed liability insurance companies that can provide you with adequate liability cover for your business and profession. You need it sooner than later so that you can enjoy peace of mind as you focus on providing your customers with the best products and services and growing your business.
Additional Resources For Small Business Insurance
Protect your company and employees with the right commercial insurance policies. Read informative articles on small business insurance coverages - and how they can help shield your company from legal liabilities.
- Small Business
- Aviation
- Business General Liability
- Business Interruption
- Business Liability
- Business Owners Policy (BOP)
- Certificate of Insurance
- CGL
- Commercial Auto
- Commercial Crime
- Commercial Package Policy
- Commercial Property
- Commercial Umbrella
- Comprehensive General Liability
- Cyber Liability
- Directors and Officers Liability
- Employment Practices Liability
- Event Cancellation
- Fiduciary Liability
- General Liability
- Home Based Business
- Independent Contractor
- Liability Insurance Certificate
- Liability Insurance
- LLC
- Ocean Marine
- Professional Liability
- Self-Employed
- Specialty Directors And Officers Liability
- Specialty Errors And Omissions
- Specialty Excess

Businesses need commercial insurance to protect their assets, employees, and customers. It helps to cover the costs of potential accidents, lawsuits, and other unforeseen events that can result in financial loss.
For example, if a customer slips and falls on a wet floor in a store, the business could be held liable for their injuries. Commercial insurance can help cover the costs of medical bills and legal fees associated with the incident.
Additionally, businesses often have valuable equipment and inventory that need to be protected from theft or damage. Commercial insurance can provide coverage for these items in the event of a disaster, such as a fire or natural disaster.
Furthermore, businesses often have employees that can be injured on the job. Workers compensation insurance can provide coverage for medical bills and lost wages for injured employees.
Overall, commercial insurance is a necessary tool for businesses to protect their assets, employees, and customers. Without it, businesses could face significant financial loss in the event of an unexpected occurrence.