General Liability covers losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. It can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

Workers Compensation Insurance covers employees who are injured on the job by providing fixed monetary awards, eliminating the need for litigation. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance.

Commercial Auto Insurance covers liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Whether you need to buy a business auto insurance policy will depend on the kind of driving you do.