Insurance

Business property insurance

o       Buildings (if you own)

o       Business personal property, including tenant's improvements

o       Loss of Income/Business interruption

o       Earthquake

o       Flood (which may or may not be available) including computer hardware and software, plus your records. 

Liability Insurance

o       Designed to insure against injury to others caused by business advertising, products or operations.

Professional Liability, Malpractice, or Errors and Omissions Policy 

Worker's Compensation Insurance

o       Required through state

Other Insurance

o       Auto coverage for company vehicles. 

o       Health insurance plans  

Excess Liability Coverage

o       Excess limits can typically be added at extra cost to the underlying package policy in "chunks" 

o       "Commercial umbrella," 

Employment Practices Liability Coverage

Life Insurance