Your general liability policy provides financial protection if you are held responsible for some of the most common accidents that can occur at a business, such as a customer injury or damages to someone’s property.

If you have employees, workers’ comp is mandatory in almost every state to help cover medical bills and lost wages if a workplace accident occurs. And don’t forget about the boss — add business owner’s coverage to protect yourself as well.

Professional liability insurance protects your business against civil lawsuits and negligence claims related to professional mistakes, whether you actually made them or a client just thinks you did.

Your tools and equipment are essential to running your business. If they are stolen, lost or damaged, this coverage will get you back to work fast by paying for replacements or repairs.

Commercial property insurance helps protect all the physical items you need to operate your business: inventory, business equipment and furniture, as well as brick-and-mortar structures.

A business owner’s policy combines two important types of business insurance — general liability insurance and commercial property insurance — into one package that is usually less expensive than buying the coverage separately.