Business insurance can cover:
Liability: general (injury/property damage), professional (service errors), employment practices, and umbrella (extra limits).
Property & Income: commercial property/hazard (buildings, equipment), business income (lost revenue).
People & Vehicles: workers' compensation (employee injury/illness), commercial auto (vehicle accidents).
Special Risks: data breach (cyber incidents).
Bundled Cover: business owner’s policy (BOP) combining liability, property, and income coverage.