Business Coverage
Commercial Insurance Coverage for Businesses
See what common types of commercial insurance can protect. Learn where limits and exclusions matter and how policies can work together around your people, property, vehicles, contracts, and day-to-day operations.
Plain-English guides
Explore coverage by what you need to protect
Workers' Compensation
Helps employees access covered medical care and wage benefits after a work-related injury or illness, while helping the business meet applicable state requirements.
General Liability
Helps protect the business when someone claims its work, products, premises, or advertising caused injury or property damage.
Commercial Auto
Helps protect the business from covered accidents involving company vehicles and can also help pay to repair or replace insured vehicles when selected.
Commercial Property
Helps protect buildings, equipment, inventory, furniture, and other business property from covered damage or loss.
Business Owners Policy
Brings common property, general liability, and business income protection together in one policy for eligible businesses.
Commercial Package Policy
Combines selected business coverages in a flexible package built around locations, property, business activities, and contract needs.
Professional Liability
Helps protect the business when a client says its advice, design, service, or professional work caused a financial loss.
Umbrella / Excess
Adds another layer of liability protection above selected business policies when a covered claim exceeds their limits.
Inland Marine / Equipment
Helps protect eligible tools, equipment, and materials while they travel, sit at job sites, or operate away from the main business location.
Motor Truck Cargo
Helps protect a transportation business when customer freight is lost or damaged while in its care during transit.
EPLI (Employment Practices Liability)
Helps protect the business against covered claims involving wrongful termination, discrimination, harassment, retaliation, and other workplace allegations.
Cyber Liability
Helps a business respond to covered data breaches, ransomware, system outages, privacy claims, and related recovery costs.
Pollution Liability
Helps protect the business from covered cleanup costs and claims involving pollution that causes injury or property damage.
Builder's Risk
Helps protect a building under construction or renovation, along with eligible materials, from covered damage before the project is complete.
Equipment Breakdown
Helps with covered sudden breakdowns of essential mechanical, electrical, refrigeration, and pressure equipment, plus selected interruption costs.
Liquor Liability
Helps protect a business from covered injury or property-damage claims connected to selling or serving alcohol.
Lessors Risk (LRO)
Can combine building protection and premises liability for eligible commercial property owners who lease space to tenants.
Directors & Officers (D&O)
Can help protect an organization and its leaders from covered claims alleging wrongful management or governance decisions.
Commercial & Surety Bonds
Provides a financial guarantee to the party requiring the bond when a business must back a license, permit, contract, or other obligation.
Commercial Crime
Can protect eligible business money, securities, and property after defined employee theft, forgery, computer fraud, or funds-transfer fraud.
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Not sure how the coverage should fit together?
Tell us what the business does, where it operates, and what people, property, vehicles, or contracts are involved. BLIS can help you understand which types of coverage may be worth discussing.
Coverage availability, pricing, terms, conditions, and eligibility vary by insurance company, state, business details, claims history, and policy terms. Nothing on this site guarantees coverage, pricing, policy approval, or savings.