A Business Owner's Policy (BOP) is a convenient way to help protect your business from property damage and liability insurance in a single policy. A typical policy covers:

• Bodily injury or property damage (e.g. you spill water on a client's computer causing damage).
• Defense costs for covered liability losses (e.g. libel and slander).
• Protection for business furniture and equipment (e.g. chairs, desks and computers).

Commercial auto insurance provides liability and physical damage coverage for vehicles used by your business. This can include:

• Cars
• Commercial trucks
• Vans
• Other business-use vehicles

General liability insurance helps protect your business from claims that come from your normal business operations such as:

• Property damage
• Defense costs
• Physical injury
• Personal and advertising injury

Professional liability insurance is coverage that protects you in the event a client is harmed from a service or advice that you provide for which you are held legally liable. A typical policy may cover:

• Negligence
• Services previously performed
• Defense costs
• Employees, temporary staff and independent contractors

Workers' compensation insurance is coverage for an employee's medical expenses, lost wages and rehabilitation services that result from a workplace injury or illness. Workers' compensation differs depending on where you operate. In general the policy covers:

• Lost wages
• Rehabilitation expenses
• Medical expenses
• Death benefits