• Commercial General Liability (CGL): Protects your business against claims for bodily injury, property damage, advertising injury, and personal injury (e.g., libel, slander) that occur on your business premises, through your operations, or from your products or services. This covers legal defense costs and settlement amounts up to your policy limits. 

• Commercial Property Damage: Protects your business's physical assets, including buildings, equipment, inventory, and business personal property, against damage or loss from covered perils such as fire, theft, vandalism, wind, and other natural disasters. This can include coverage for business interruption and loss of income due to covered property damage.  

• Business Personal Property (BPP): Specifically covers the contents of your business, such as furniture, fixtures, machinery, equipment, and inventory, whether owned or leased.  

• Business Interruption/Loss of Income (BI): Provides coverage for lost profits and continuing operating expenses if your business is forced to temporarily close or suspend operations due to covered property damage.  

• Professional Liability (Errors & Omissions): Protects your business against claims arising from mistakes, negligence, or omissions in the professional services you provide. This coverage is crucial for businesses offering advice, consulting, design, or other professional services, covering legal defense costs and damages if a client alleges your advice or service caused them financial harm.

• Cyber Liability: Protects your business from financial losses and damages resulting from cyber attacks, data breaches, and other technology-related risks. This can include costs for data recovery, notification expenses, legal defense, regulatory fines, public relations, and business interruption losses due to a cyber incident.  

• Commercial Auto Liability: Protects your business against claims for bodily injury or property damage your commercial vehicles cause to others in an accident. This covers legal defense costs and settlement amounts up to your policy limits.  

• Commercial Uninsured/Underinsured Motorist Coverage: Provides protection for bodily injury and property damage to your commercial vehicles if they are involved in an accident with a driver who has insufficient coverage or no insurance at all. 

• Commercial Collision: Provides physical damage coverage for repairs to your commercial vehicles if they are damaged in a collision with another vehicle or object, regardless of fault.  

• Commercial Comprehensive: Provides coverage for non-collision related incidents affecting your commercial vehicles, such as fire, theft, vandalism, falling objects, or damage from natural disasters. 

• Commercial Auto Medical Payments/Personal Injury Protection (PIP): Covers medical expenses for occupants of your commercial vehicles if injured in an auto accident, regardless of fault. Note: Availability and specifics vary by state and can be important for employee protection. 

• Custom Parts and Equipment (Commercial Auto): Provides coverage for aftermarket parts, modifications, or specialized equipment permanently installed in your commercial vehicles that add value beyond their factory condition. 

• Hired and Non-Owned Auto Coverage: Provides liability coverage for your business when employees use their personal vehicles (non-owned) for company business, or when your business rents or leases vehicles (hired) for its operations. This protects your business if an accident occurs involving these vehicles and results in a lawsuit against your company. 

• Commercial Inland Marine Coverage: Protects specialized business property that is mobile or not fixed in a single location. This includes tools, equipment, goods in transit, valuable papers, fine art, and other unique items, ensuring they are covered whether they are on your premises, at a job site, or in transit. 

• Commercial Umbrella Protection: This is an invaluable layer of protection that significantly extends the liability limits of your underlying commercial insurance policies, most notably your Commercial General Liability and Commercial Auto Liability. Commercial Umbrella Coverage provides additional liability coverage, typically in increments of $1 million or more, designed to protect your business assets and future earnings in the event of a catastrophic lawsuit. Imagine a severe incident, whether it's a major auto accident involving a company vehicle, a slip-and-fall on your business premises, a defect in a product you sell, a professional error, or a major cyber breach, resulting in significant financial damages. The costs could easily exceed the liability limits of even a robust underlying commercial policy. In such a scenario, your commercial umbrella policy would activate once your primary policy limits are exhausted, covering the remaining costs up to its limit. This shields your business's financial health, including savings, investments, and future revenue, from being depleted to satisfy a judgment. This coverage is particularly important for businesses with significant assets, those that face higher risks of lawsuits, or those with large exposure to the public or operational hazards. 

Note: This list in not comprehensive and does not provide official insurance policy language. Coverage options may differ among insurance companies and policy types. Availability varies by State.