Business or commercial insurance is a type of insurance designed to protect businesses from financial losses resulting from risks such as property damage, liability claims, employee-related issues, and other operational challenges. It is a broad category of coverage that can be tailored to the specific needs of a business and typically includes:

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1. Property Insurance: Covers damage to physical assets of the business, including buildings, equipment, inventory, and supplies, caused by incidents like fire, theft, or vandalism.

2. General Liability Insurance: Protects the business from claims of bodily injury, property damage, or personal injury (such as defamation) that occur on the business premises or as a result of business operations.

3. Workers' Compensation Insurance: Provides coverage for medical expenses and lost wages for employees who are injured or become ill due to their job.

4. Professional Liability Insurance: Also known as errors and omissions (E&O) insurance, this covers businesses that provide services or advice, protecting against claims of negligence, mistakes, or failure to perform services properly.

5. Business Interruption Insurance: Helps a business recover lost income and cover operating expenses if it is temporarily unable to operate due to a covered event like a natural disaster or fire.

6. Commercial Auto Insurance: Covers vehicles owned by the business, such as delivery trucks or company cars, in the event of accidents, damage, or theft.

7. Cyber Insurance: Protects businesses against data breaches, cyberattacks, and other online threats, covering financial losses and legal costs.

8. Product Liability Insurance: Protects against claims related to injuries or damages caused by products manufactured or sold by the business.

Commercial insurance helps businesses manage risk, comply with legal requirements, and safeguard against financial losses that could jeopardize operations. The specific coverage needed varies depending on the type of business, industry, and size.