Business insurance

General liability may help with certain third-party injury, property-damage, and advertising-injury claims, subject to the policy.

• Addresses qualifying third-party injury and property-damage claims related to the business.
• May include certain advertising-injury topics, depending on the policy form.
• Often requested by landlords, clients, and general contractors as proof of insurance.

Workers’ compensation may help with work-related injuries or illnesses. Requirements depend on the state and the business.

• May help with qualifying work-related injuries or occupational illnesses.
• State rules and the size or type of workforce shape whether coverage is required.
• Payroll and job descriptions are reviewed later, not on this website form.

Commercial umbrella may add liability limits above certain qualifying commercial policies. It is not personal umbrella insurance.

• May sit above qualifying commercial liability policies to discuss higher limits.
• Often requested in contracts that ask for limits beyond a primary commercial policy.
• Kept separate from personal umbrella coverage for homes and personal autos.

Commercial bonds may support license, permit, or contract obligations. A bond is not a traditional insurance policy that protects the contractor directly.

• May support license, permit, or contract obligations required by an obligee.
• Underwritten on the business’s ability to perform, not as a typical liability policy.
• Does not replace general liability or workers’ compensation insurance.

Farm insurance may combine protection for a dwelling, farm structures, equipment, operations, and liability, depending on the activity and the policy.

• May address the dwelling together with barns and other farm structures.
• Can include equipment and farm operations when the insurance company offers those options.
• Separates hobby farms from commercial operations during underwriting.

Rental dwelling coverage is for owners who rent a house to others. It is not the same as a home policy for a house you live in.

• Written for landlords, not for the house you occupy as your primary home.
• May include the dwelling structure and landlord liability, subject to the policy.
• Some policies discuss loss of rents after a covered property loss.