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Basic coverages common to most businesses:
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Building Coverage;
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If you own rather than lease, or if you own buildings that you lease to others, this is an essential coverage.
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Business Personal Property:
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most businesses own desks, chairs, files, telephones, computers etc.,
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General Liability:
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Essential for any business
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Business Income and Extra Expense:
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Keeps some cash-flow coming in the event the work place is out of commission
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Equipment Breakdown Coverage
A small sample of some specialized coverages, for your specialized business:
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Contractors;
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Tools & equipment floaters
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Builder's Risk
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Bailees customers' goods coverage
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Restaurants:
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Food Spoilage
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Food-borne illness
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Liquor liability
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General Office:
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Data breach
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Cyber liability
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Professional Liability
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