General liability insurance addresses accidents that may occur to a third party on a business premises, as well as any injuries or damages incurred as a result of using goods or services sold on premises. In addition to the financial limits of the policy, liability insurance can be designed to cover supplemental payments for attorney fees, court costs, and other expenses associated with a claim or the defense of a liability suit.
If your business utilizes and owns any vehicles, it is important to have commercial auto insurance. What type of policy and how much coverage your business requires is typically dependent on the type of driving your employees do.