Get Help With Insurance Buying and Renewals.
Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.
Insurance Questions for Sales Teams
Which Insurance Should You Consider?
Consider professional errors and omissions (E&O), general liability, hired and non-owned auto, cyber liability, and crime. Start with the coverages tied to your day-to-day operations, then use the situations and buying questions below to compare your options.
Professional errors and omissions (E&O)
A customer relies on sales advice, implementation, forecasts, lead data or a sales deliverable.
Professional liability may address errors or omissions in services or advice. Ask the insurer which sales recommendations, implementation work and contract promises are within the proposed professional-services definition, and what exclusions apply.[1][2]
Ask Before Buying
Which deliverables, recommendations, services and contract promises are described as insured professional services, and what exclusions apply?
General liability
Sales staff host demonstrations or perform work at customer premises.
General liability can address certain visitor bodily-injury and property-damage claims. Describe each customer-site activity and check how the proposed form treats it.[2][5]
Ask Before Buying
Which demonstrations, installations, events and customer premises are included, and what exclusions or sublimits apply?
Hired and non-owned auto
Employees use personal or rental vehicles for customer visits, events or deliveries.
NAIC says commercial auto policies may include hired and non-owned vehicles, including employee cars used for business; the wording and named insureds require confirmation.[2][5]
Ask Before Buying
Which vehicles, drivers, purposes, states and entities are covered by the proposed auto terms, and what do employees’ personal policies address?
Cyber liability
Sales staff export CRM data, record calls or access customer credentials and payment information.
FTC asks small businesses to review vendor risks, data, response and first- and third-party cyber terms. This guidance does not establish protection for a particular sales-data incident.[3][4]
Ask Before Buying
Does the form address CRM exports, recordings, vendor systems, response, defense and interruption? Which conditions and exclusions apply?
Crime
Staff can redirect remittance details, initiate refunds or handle customer deposits.
Crime forms may address employee theft, but the material here does not establish response to fraudulent instructions or funds transfers. Ask which form, if any, addresses the exact scenario.[2]
Ask Before Buying
Which form, if any, addresses the exact payment authority and fraud scenario, and what verification conditions, limits or exclusions apply?
Match Sales Deliverables to Contract Terms
Group each contract promise by the work behind it: advice, implementation, lead generation, software access, service levels or an outcome commitment. Send the actual descriptions and indemnity language to the broker and ask which professional-services definitions and exclusions apply. A contract obligation is not evidence that insurance covers it.[1][2]
Professional-liability wording depends on the services the form defines. Keep technology-service questions separate and ask the insurer which actual work is included.[2]
Account for Travel and Customer-Site Work
For each driver, list the vehicle owner, trip purpose, frequency and states. Ask which commercial-auto terms include those drivers and uses, and have employees check their personal policies separately.[2][5]
For customer-site work, describe who controls the site, what your staff handles and whether they install or repair equipment. Ask which premises/operations wording applies and whether any exclusions or limits affect that activity.[5][2]
Include CRM Access and Payment Authority
Document customer records, call recordings, credentials, deposits and who can change supplier or remittance details. FTC guidance recommends assessing vendor risk and reviewing cyber-policy questions such as response and third-party claims; it does not prove payment fraud is covered.[3][4]
Separate unauthorized data access from a fraudulent payment instruction. Ask the insurer which forms address each scenario and what verification steps, exclusions and sublimits apply; do not assume commercial auto, general liability or cyber automatically responds.[2][3]
Providers to Compare by Coverage
Professional errors and omissions (E&O)
Alliance Risk
Spot Score
Review Score
Not enough ratings
Amelia Risk
Spot Score
Review Score
2.0/ 10
General liability
Alliance Risk
Spot Score
Review Score
Not enough ratings
Amelia Risk
Spot Score
Review Score
2.0/ 10
Hired and non-owned auto
Amelia Risk
Spot Score
Review Score
2.0/ 10
Corgi
Review Score
Not enough ratings
Cyber liability
Alliance Risk
Spot Score
Review Score
Not enough ratings
Amelia Risk
Spot Score
Review Score
2.0/ 10Crime
Alliance Risk
Spot Score
Review Score
Not enough ratings
Amelia Risk
Spot Score
Review Score
2.0/ 10Common Questions
Would general liability cover a customer claim that our sales advice caused a financial loss?
Do not assume general liability addresses financial loss from sales advice. Ask which proposed form covers your recommendations or deliverables and what exclusions apply; the wording decides the response.[1][2]
Read the Full AnswerIf an employee drives a personal car to a customer, what should we ask about?
NAIC says commercial auto policies may cover non-owned vehicles used for business, including employee-owned cars, but the actual policy wording and insureds matter.[2]
Read the Full AnswerSources and Further Reading
- Launch Your Business: Get Business Insurance — U.S. Small Business Administration. Get business insurance and four steps to buy; general coverage categories and quote comparison guidance. Do not rely on the page’s overbroad employee insurance statement.
- Small Business Insurance — National Association of Insurance Commissioners. BOP and exclusions; general liability and exclusions; professional liability, crime and cyber; business property. General educational descriptions, not policy terms.
NAIC descriptions of general liability, professional services, crime and auto categories.
- Cybersecurity for Small Business — Federal Trade Commission. Supplier risk, response planning and cyber-insurance buyer questions. Educational guidance, not policy wording.
FTC supplier and cyber-policy buyer questions.
- Cyber Insurance — Federal Trade Commission (content developed with NAIC and federal partners). First-party coverage, lines 46–77; third-party coverage, lines 78–102. Examples are not a promise for any policy.
FTC cyber first-party and third-party examples.
- Commercial Insurance Guide — California Department of Insurance. Revised June 14, 2024; commercial property, inland marine, boiler and machinery/equipment breakdown, commercial general liability, commercial auto, umbrella, and workers compensation. California-focused guidance; confirm other jurisdictions and actual policy wording.
Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.
Updated 2026-09-28. Editorial Policy
Get Help With Insurance Buying and Renewals.
Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.