This insurance covers any person who may be injured due to negligence on behalf of the insured. If someone is injured at your place of business, public liability insurance would cover any legal fees associated with the injury.

Property damage coverage pays for damages done to property owned by the insured. This includes things like broken windows, stolen equipment, and even damaged crops.

Worker's compensation insurance provides medical care and financial assistance to employees who have been injured while working for the insured.

Commercial auto insurance covers vehicles used in the course of business. This could include trucks, vans, cars, and anything else that is used for commercial purposes. Commercial auto insurance is designed to protect commercial vehicles and their drivers from liability claims. In addition to protecting from liability claims, commercial auto insurance provides coverage for damage caused by fire, theft, vandalism, collision, and other perils.

An umbrella policy is a supplemental policy that extends liability protection above and beyond what is provided by the underlying policies.

This insurance covers any damages caused by negligence or recklessness of the insured. If someone gets injured due to the negligence of the insured, they may sue them for compensation. To protect themselves from these lawsuits, the insured should have PLI. There are two types of PLI - professional and general. Professional PLI is only applicable to those who work in professions where their job requires them to interact with the public. General PLI covers both professionals and non-professionals.

Worker's Compensation Insurance is similar to PLI, except that it covers injuries sustained at work. WCI is mandatory for employers who employ workers over the age of 18.

Automobile Liability Insurance is necessary if you own or operate a vehicle. ALI provides coverage for bodily injury and property damage claims arising out of the use of the insured's motor vehicles.

Property Damage Insurance is also known as comprehensive insurance. PDI is generally included in automobile insurance policies. It covers physical loss or damage to the insured's property.

Medical payments coverage pays medical expenses incurred by others as a result of accidents involving the insured's car. MedPay is optional in many states.

Uninsured/underinsured motorist coverage is optional in some states. UM/UIM pays for bodily injury and property damages suffered by the insured when driving a vehicle that does not have adequate insurance.

Personal Injury Protection is optional in some states and pays for medical care, rehabilitation services, and lost wages after an accident involving the insured's car or motorcycle.