General Liability provides protection for bodily injury or property damage should you, the insured, be negligent.
All businesses share common liability exposures that are addressed by a Commercial General Liability [CGL] policy. No matter what line of business, manufacturer, contractor, or professional services, all share common risk denominators that require CGL.
Property insurance provides protection for insured perils against property damage.
Protecting the tangible assets of a business is relatively easy from an identification perspective. Building, stock, equipment, leaseholds and improvements, computers can be identified. When these property classes are insured on a broad form wording, Replacement cost basis, with a tolerable deductible level, the foundations of a good property insurance policy are in place.
Errors and omissions insurance provides protection should you be held liable for any errors and omissions your business provides.
This type of liability insurance, just by its name, may lead one to think it is only for professionals. Even further, those not only professionals have this kind of exposure and in need of this kind of insurance.
Environmental Impairment Liability provides protection for risks arising from your past or current operations, or for which you retain a legal liability. Cover includes claims for clean-up, bodily injury, and property damage arising from pollution.