Business Insurance Coverage

Builders risk helps protect a construction project and its materials against covered property damage while work is underway.

A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.

Cargo and transit insurance helps protect goods during transport, with coverage that depends on the journey and your responsibility for the shipment.

Commercial auto insurance can cover your business's liability on the road and damage to the vehicles you insure.

Commercial property insurance can help repair or replace your building, equipment and stock after a covered loss.

Contract frustration insurance can protect against losses when specified political events or government actions disrupt an international contract.

Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.

Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.

Digital-asset insurance can protect specified custody, theft and liability risks, with terms that depend on the assets and how they're held.

Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.

Employee health benefits help your team pay for medical care through an employer-sponsored plan or arrangement.

Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.

Equipment breakdown insurance can help pay for damage from covered electrical or mechanical failures in the systems your business relies on.

Fidelity bonds and employee-dishonesty coverage protect against specified losses caused by dishonest employees or people handling plan assets.

Fiduciary liability insurance can help with covered claims that your business or its people mishandled employee benefit plan responsibilities.

Garage liability insurance addresses injury and property-damage claims arising from repair shops and other garage operations.

General liability insurance helps with covered claims for injuries to other people, damage to their property and specified advertising offenses.

Generative AI liability coverage addresses specified claims arising from your use of AI, such as inaccurate outputs or disputed content.

Hired and non-owned auto liability can protect your business when employees use personal or rented vehicles for work.

Inland marine insurance includes specialized protection for equipment that moves between jobs and goods in transit.

Intellectual property insurance can help pay the costs of disputes involving patents, trademarks, copyrights and other specified rights.

Key person life insurance is intended to pay your business money if an insured founder or employee it depends on dies.

Kidnap and ransom insurance combines financial protection for specified crises with access to experienced response specialists.

Last-mile delivery programs can combine vehicle, cargo and other coverage for businesses delivering goods to their final destination.

Liquor liability insurance addresses claims arising from your business selling, serving or furnishing alcohol.

Management liability packages can combine D&O, employment practices and other protection for the risks of running your business.

Media liability insurance addresses covered claims about the content you create or distribute, including defamation and infringement allegations.

Medical malpractice insurance can help pay defense costs and covered damages from claims about a health care professional's medical services.

Product liability insurance addresses injury or damage claims involving defective products your business makes, distributes or sells.

Product recall insurance can help pay specified costs of withdrawing a product, such as notification, shipping and disposal.

Professional E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss.

Representations and warranties insurance addresses financial loss from inaccurate statements in a business purchase agreement.

A surety bond guarantees an obligation your business owes to a customer or other party if your business defaults.

Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.

Trucking insurance programs can combine vehicle liability, truck damage and cargo protection for your hauling operations.

Umbrella and excess liability insurance can add limits above the underlying policies it lists, subject to its coverage terms.

Venture capital asset protection is fund-level management and professional liability coverage for venture capital and private equity firms.

Virtual care and telehealth insurance addresses liability for remote consultations and other health care delivered through technology.

Workers' compensation addresses medical care, rehabilitation and lost wages for employees with work-related injuries or illnesses.