Coverage Lines
Commercial Insurance Coverage for Businesses
Compare the purpose, limitations, underwriting factors, and related policies for 14 common commercial coverage lines. The right mix depends on your operations, contracts, property, vehicles, people, and the terms an insurer is willing to offer.
Coverage guides
Explore commercial coverage by risk
Workers' Compensation
State-required benefits for covered work-related injuries or illnesses, plus employers liability subject to the policy and state law.
General Liability
Covered third-party bodily injury, property damage, and personal or advertising injury claims arising from business operations.
Commercial Auto
Liability arising from covered business vehicles, with optional physical damage and other protections depending on the policy.
Commercial Property
Buildings and scheduled business property against covered causes of loss, with valuation, limits, and exclusions defined by the form.
Business Owners Policy
A packaged policy that commonly combines eligible property, general liability, and business income coverage under one contract.
Commercial Package Policy
A configurable policy that combines selected commercial coverage parts for operations that need more flexibility than a standard package.
Professional Liability
Covered claims alleging negligence, errors, omissions, or failure in professional services, including defense as the policy provides.
Umbrella / Excess
Additional liability limits above scheduled underlying policies when the excess or umbrella terms apply to the covered claim.
Inland Marine / Equipment
Eligible tools, equipment, and materials while in transit, at temporary locations, or away from scheduled premises.
Motor Truck Cargo
Covered loss or damage to customer freight while a carrier has responsibility for it in transit.
EPLI (Employment Practices Liability)
Covered employment-related allegations such as wrongful termination, discrimination, harassment, or retaliation.
Cyber Liability
Selected first-party incident response costs and third-party privacy or network-security claims, as defined by the cyber form.
Pollution Liability
Covered pollution conditions involving cleanup costs, bodily injury, property damage, and legal defense, depending on the form.
Builder's Risk
A structure under construction and eligible materials against covered causes of loss during the policy term.
Equipment Breakdown
Covered accidental mechanical, electrical, or pressure-system breakdown, with optional spoilage and income-related extensions.
Liquor Liability
Covered bodily injury or property damage claims arising from selling, serving, or furnishing alcohol, subject to state law and the form.
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Not sure how the coverage should fit together?
Tell us what the business does, where it operates, and what contracts or property are involved. BLIS can review the account and explain which coverage lines may be relevant before approaching available markets.
Request a Coverage ReviewCoverage availability, pricing, terms, conditions, and eligibility depend on underwriting, carrier guidelines, state, operations, loss history, policy terms, and other risk-specific factors. Nothing on this site guarantees coverage, pricing, placement, or savings.