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What is General Liability Insurance?

General Liability (GL) insurance, also called commercial general liability insurance, provides coverage for your business against claims made by others for bodily injury, property damage, or personal and advertising injury.

Recommended if you or your employees:

• interact with clients face to face 
• have access to customer's property 
• use advertising to market your company
• use third-party locations for any business-related activities
• enter into contracts that require general liability insurance.

What's covered:

• bodily injury and related medical expenses for an injury to someone other than you or an employee
• accidental damage to someone else’s property
• personal and advertising injury
• defense costs and damages up to your policy limit
• actions of your full-time employees and temporary staff

Learn more about General Liability Insurance

What's not covered:

• failure to protect personally identifiable information
• use of vehicles and boats
• damage to your property
• professional services
• bodily injury to your employees and temporary staff

What is Professional Liability Insurance?

Professional liability insurance, also called errors and omissions (E&O) insurance or indemnity insurance, protects your business if you are sued for negligently performing your professional services, even if you haven’t made a mistake.

Recommended if your business:

• provides a professional service
• regularly gives advice to clients 
• is requested by a client to have professional liability insurance to complete a contract.

What's covered:

• alleged or actual negligence
• defense costs and damages
• personal injury (e.g., libel or slander)
• professional services performed by employees, temporary staff, and independent contractors
• claims arising from professional services performed in the past (back to an agreed upon date; some exceptions apply)
• worldwide coverage (suit must be in the US, its territories and possessions, or Canada)

Learn more about Professional Liability Insurance

What's not covered:

• bodily injury or property damage
• fraudulent acts
• employment matters
• false advertising
• failure to protect personally identifiable information
• breach of contract

What is a Business Owner's Policy?

A Business Owner's Policy (BOP) is an enhanced insurance policy that combines general liability coverage plus protection against damage to your business’s personal property and buildings, and loss of business income due to property damage.

Recommended if your business:

• needs general liability insurance coverage
• has business equipment such as computers, printers and furniture
• owns the building at which your work and need to insure the property
• owns and works with large amounts of data on a regular basis
• has employees who could act dishonestly or steal clients' property.

What's covered:

• damage to your personal business equipment (including fire and theft)
• damage to your office building (including fire and vandalism) if selected
• damage to someone else's property (including employee theft)
• bodily injury and related medical expenses incurred by someone outside your organization

Learn more about Business Owner's Policy

What's not covered:

• normal wear and tear and intentional property damage
• property damage caused by earthquakes, floods, and volcanoes
• personal property exposed in the open to rain, snow, ice, or sleet
• bodily injury to your employees and temporary staff

What is Cyber Security Insurance?

Cyber security insurance protects businesses against losses from computer-related crimes and privacy, data, and network-related exposures. This may include targeted attacks, such as malware and phishing, as well as the occasional misplaced laptop containing confidential material.

Recommended if your business:

• accepts credit cards or other digital payment types
• uses computers and mobile devices
• stores confidential customer information
• keeps medical or financial data.

Cyber Security Insurance Covers:

• breach response experts to help you respond and mitigate damage from a cyber event
• lost business revenue and data recovery costs due to a breach or extortion threat
• money lost due to a fraudulent instruction by a third party (known as phishing)
• defense against privacy lawsuits and regulatory fines
• breach prevention services

Learn more about Cyber Security Insurance

Sample claims scenarios:

• phishing email leads to ransomware
• media firm experiences a breach of client information

What is Workers Comp Insurance?

Workers Compensation Insurance covers the costs associated with a work-related accident or illness. If an employee becomes ill, is injured, or even dies on the job, Workers Compensation Insurance can cover medical costs and lost wages.

Workers Compensation Insurance is mandatory in nearly every state.

Recommended if your business:

Has W-2 employees, including part-time or seasonal workers. Penalties apply in most states if you have employees and do not carry Workers Compensation Insurance.

What does Workers Compensation Insurance cover?

• Medical costs incurred by an employee who is injured or becomes ill on the job
• Lost wages while an employee recovers from a work-related illness or injury
• Death of an employee on the job.

Learn more about Workers Comp Insurance

Sample claims scenarios:

• An employee drops a box on their foot and breaks three toes. Insurance covers their medical costs and wages while they recuperate.
• A computer technician slips a disk in their back while trying to install a server. Medical costs and lost wages are covered by insurance.