1. Property insurance (covering buildings, equipment and inventory)
2. Business interruption insurance (covering losses that cause you to shut
down operationsor reduce production for a time). Business interruption
insurance can provide money to offset lost profits or to pay continuing
expenses (typically for up to a year for insured losses).
3. Casualty or liability protection (covering harm done by
the employees or product to other people or property).
4. Vehicle coverage for rented or borrowed vehicles.
5. Liability insurance covering lawsuits arising from
accidents (as when someone trips and falls on your
business’s property) or when you sell a product that
damages the customer’s property or you are accused
of offenses such as slander, copyright infringment or
invasion of privacy.
6. Crime insurance (covering loss of money or securities
resulting burglaries or robberies or destruction) and
losses from employee theft or embezzlement.