Property insurance— If your company’s physical assets (e.g., your building or furnishings) are damaged by covered events such as fires, burst pipes or vandalism, this coverage may help compensate those property losses.

Business interruption insurance—This coverage may help pay continuing expenses (e.g., taxes and wages) until you can return to business as usual if a covered event forces you to stop operations temporarily.

Commercial auto insurance—This coverage protects you if a business vehicle is involved in an accident and can cover medical expenses, legal costs and property damage.

General liability insurance—General liability insurance can help cover claims of injury or property damage caused by routine operations such as work in occupied buildings, power tool use, and customers coming in and out of active job sites. This insurance may also cover damage to a customer’s building caused by a contractor. Additionally, general liability insurance can provide coverage for reputational harm or advertising injury.

Inland marine insurance—This coverage may protect your property (e.g., tools) as they are transported or are on the job site. 

Builder’s risk insurance—This coverage can help protect your building materials and a building under construction if a covered peril (e.g., fire or vandalism) damages them while a project is in progress.

Pollution liability insurance—This coverage may help if there are claims your business released pollutants that resulted in property damage or bodily injury to others.

Umbrella insurance—This coverage may provide financial protection if a claim exceeds the limits of one of your liability policies

Workers’ compensation insurance—This coverage may help compensate your employees for medical expenses and provide them with wage replacement if they sustain a workplace injury or illness.