Coverage Types
What We Cover.
Explore our commercial insurance products. Each page explains what's covered, who needs it, and what happens without it.
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Which Coverage Do You Need?
Not sure where to start? Here's how the three most common commercial coverages stack up.
| Feature | General LiabilityDetails | Business Owner's PolicyDetails | Umbrella / ExcessDetails |
|---|---|---|---|
| Third-party bodily injury | |||
| Third-party property damage | |||
| Your building & equipment | |||
| Business interruption | |||
| Advertising & personal injury | |||
| Limits beyond underlying policy | |||
| Covers multiple policy gaps | |||
| Often required by contracts | Sometimes | ||
| Bundled discount |
General Liability
Third-party bodily injury
Third-party property damage
Your building & equipment
Business interruption
Advertising & personal injury
Limits beyond underlying policy
Covers multiple policy gaps
Often required by contracts
Bundled discount
Business Owner's Policy
Third-party bodily injury
Third-party property damage
Your building & equipment
Business interruption
Advertising & personal injury
Limits beyond underlying policy
Covers multiple policy gaps
Often required by contracts
Bundled discount
Umbrella / Excess
Third-party bodily injury
Third-party property damage
Your building & equipment
Business interruption
Advertising & personal injury
Limits beyond underlying policy
Covers multiple policy gaps
~Often required by contracts(Sometimes)
Bundled discount
Most businesses need more than one type. Not sure? Start the screener — we'll help you figure it out.
Quick Assessment
Not Sure What You Need?
Answer three questions and we'll recommend the right coverages for your business.
Question 1 of 3
Do you have employees?
Including part-time, seasonal, or subcontractors you pay directly.