Bodily injury 

Property damage 

Personal or advertising injury (includes libel, slander, malicious prosecution, infringing on copyright, etc.) 

Workers Compensation. Workers compensation steps in if an employee is injured at work. It helps cover medical expenses and can also help if the employee decides to sue for the injury. 

Employment Practices Liability. This liability insurance covers legal fees if an employee—or potential employee—decides to sue the company concerning poor employment practices. This includes sexual harassment, discrimination, wrongful termination, etc. 

Professional Liability. This insurance protects the business when lawsuits arise due to professional negligence that causes the client to lose money. For example, if an accountant’s clerical error causes the client to lose money. Professional liability is also known as Errors and Omissions Insurance. 

Pollution Liability. Certain businesses work with chemicals or produce pollution. Pollution liability helps pay for damages the pollution causes as well as lawsuits arising from those damages.  

Directors and Officers Liability (D&O Insurance). If someone sues one of your directors or officers, this policy protects the company and directors against lawsuits. This also excludes criminal acts such as fraud or personal profiting. 

Liquor Liability. Some businesses serve alcohol, such as gas stations and restaurants. Liquor liability helps pay for damages and protects the business from any damage or injury a patron causes after purchasing alcohol at their establishment. This doesn’t cover the negligent serving of alcohol to a drunk patron, however. 

Cyber Liability. Cyber liability helps if there is a data breach or other cyber attack on the information your business stores online. Cyberattacks are unfortunately common, and cyber liability insurance can help if your company is sued due to stolen information or money.