Because every business faces different types of risk, commercial insurance programs can be structured specifically for the organization and its activities. Customized commercial insurance programs may include one or more of the following types of coverages summarized below to help create a comprehensive insurance and risk management solution:

Commercial General Liability. If bodily injury or property damage occurs to a customer or another third party as a result of negligence on the part of a business or one of its employees, commercial general liability insurance may cover all or part of the resultant loss (such as medical costs and legal fees).
Errors and Omissions (E&O). Also referred to as “professional liability insurance,” errors and omissions insurance covers claims as a result of alleged acts, errors or omissions made by a business or its employees.
Property. Commercial property insurance provides coverage for losses to the property and physical assets of a company. This first party insurance can cover, for example, the cost of replacing or repairing your property should it be destroyed or damaged due to events such as fires, storm damage, or vandalism.
Commercial Auto. Commercial auto insurance is designed for businesses that have vehicles used in the course of their business operations, and helps protect the business as a result of claims related to bodily injury, property damage, or other losses caused to people or their property by the business’s vehicles.
Cyber. Cyber insurance helps protects businesses against the costs of a cyber attack and other related events, including the costs to repair damage to a company’s computer systems caused by the attack.
Fidelity Bonds. Fidelity bonds help protect certain types of businesses from losses as a result of fraud or dishonesty on the part of their employees, such as embezzlement, forgery, larceny, and fraud.
Workers’ Compensation. One of the few types of mandated commercial insurance, workers’ compensation insurance provides for statutorily-prescribed wage replacement and medical benefits for employees injured while in the course of their employment.
Employment Practices Liability. Employment practices liability insurance (EPLI) covers the costs of defending a business against claims related to its employment practices and employment disputes, such as alleged discrimination, wrongful termination, or sexual harassment.
Business Interruption. Business interruption insurance can help protect a business against the cost of lost revenue due to a covered loss. This insurance can compensate a business for the lost revenue, helping to provide ongoing financial support until the business can resume its normal operations.
Management Liability. Also referred to as directors and officers (or “D&O”) insurance, management liability insurance helps protects a business and its directors and officers against the cost of claims arising from alleged practices by the company and/or its management, and may be necessary when facing claims related to management decisions and practices that may lead to litigation.
Crime Coverage. Commercial crime insurance covers the costs incurred by a business resulting from criminal or dishonest acts by its employees, such as theft, fraud, and burglary. It can also cover the cost of any payouts that a business is required to make to the victims of a crime.