{"id":5093,"date":"2016-04-04T10:47:54","date_gmt":"2016-04-04T15:47:54","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/smallbusiness\/liability-and-insurance\/different-types-of-commercial-insurance.html"},"modified":"2024-05-23T02:18:51","modified_gmt":"2024-05-22T21:18:51","slug":"different-types-of-commercial-insurance","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/smallbusiness\/liability-and-insurance\/different-types-of-commercial-insurance.html","title":{"rendered":"Different Types of Commercial Insurance"},"content":{"rendered":"\n<div class=\"fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30  wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-section-main fl-page-articles fl-section-main fl-section-main-full-width\"><h1 class=\"fl-no-margin-top\">Different Types of Commercial Insurance<\/h1>\n\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    <p><i>Created by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw&#8217;s team<\/a> of legal writers and editors<\/i><\/p>\n\n                | Last updated\n        <time>\n                            May 23, 2024\n                    <\/time>\n    <\/div>\n\n            <div class=\"fl-gutenberg-byline-editorial-note fl-text-sm\">\n            <p>Editorial Note: We earn a commission from affiliate partner links on FindLaw. Commissions do not affect the editorial integrity of our legal content.<\/p>\n\n        <\/div>\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n\n\n\n<p>The most common types of <a href=\"https:\/\/www.findlaw.com\/smallbusiness\/liability-and-insurance\/why-you-need-business-insurance.html\">commercial insurance<\/a> are property, liability and workers&#8217; compensation. In general, property insurance covers damages to your business property; liability insurance covers damages to third parties; and workers&#8217; compensation insurance covers on-the-job injuries to your employees. Depending on your business, you may want additional specialized coverages. Listed below are some of the different types of <a href=\"https:\/\/www.findlaw.com\/smallbusiness\/liability-and-insurance\/insurance-policies.html\">business insurance<\/a>.<\/p>\n<h2>Property Insurance<\/h2>\n<p>Property insurance pays for losses and damages to real or personal property. For example, a <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/liability-for-injury-insurance-options.html\">property insurance policy<\/a> would cover fire damage to your office space. You can purchase additional coverages for business property, including:<\/p>\n<ul>\n<li><b>Boiler and Machinery Insurance<\/b><\/li>\n<\/ul>\n<p>Boiler and machinery insurance, sometimes referred to as &#8220;equipment breakdown&#8221; or &#8220;mechanical breakdown coverage,&#8221; provides coverage for the accidental breakdown of boilers, machinery, and equipment. This type of coverage usually will reimburse you for property damage and business interruption losses. For example, this coverage would cover <a href=\"https:\/\/www.findlaw.com\/realestate\/owning-a-home\/top-ten-tips-for-filing-fire-insurance-claims.html\">fire damage<\/a> to computers.<\/p>\n<ul>\n<li><b>Debris Removal Insurance<\/b><\/li>\n<\/ul>\n<p>Debris removal insurance covers the cost of removing debris after a fire, flood, windstorm, etc. For example, a fire burns your building to the ground. Before you can start rebuilding, the remains of the old building have to be removed. Your property insurance will cover the costs of rebuilding, but not of removing the debris.<\/p>\n<ul>\n<li><b>Builder&#8217;s Risk Insurance<\/b><\/li>\n<\/ul>\n<p>Builder&#8217;s risk insurance covers buildings while they are being constructed. For example, a Builder&#8217;s risk policy would cover losses if a windstorm takes down your partially constructed condominium complex.<\/p>\n<ul>\n<li><b>Glass Insurance<\/b><\/li>\n<\/ul>\n<p>Glass insurance covers broken store windows and plate glass windows.<\/p>\n<ul>\n<li><b>Inland Marine Insurance<\/b><\/li>\n<\/ul>\n<p>Inland marine insurance covers property in transit and other people&#8217;s property on your premises. For example, this insurance would cover fire-damage to customers&#8217; clothing from a fire at your dry cleaning business.<\/p>\n<ul>\n<li><b>Business Interruption Insurance<\/b><\/li>\n<\/ul>\n<p>Business interruption insurance covers lost income and expenses resulting from property damage or loss. For example, if a fire forces you to close your doors for two months, this insurance would reimburse you for <a href=\"https:\/\/www.findlaw.com\/employment\/wages-and-benefits.html\">salaries<\/a>, taxes, rents, and net profits that would have been earned during the two-month period.<\/p>\n<ul>\n<li><b>Ordinance or Law Insurance<\/b><\/li>\n<\/ul>\n<p>Ordinance or <a href=\"https:\/\/www.findlaw.com\/smallbusiness\/liability-and-insurance\/do-s-and-don-ts-business-insurance.html\">law insurance<\/a> covers the costs associated with having to demolish and rebuild to code when your building has been partially destroyed (usually 50 percent). For example, your three-story building is 100 years old. A flood destroys the basement and first two stories. Because more than 50 percent of your building has to be rebuilt, a local ordinance requires that the building be completely demolished and rebuilt according to current building codes. Property insurance covers only the replacement value, not the upgrade.<\/p>\n<ul>\n<li><b>Tenant&#8217;s Insurance<\/b><\/li>\n<\/ul>\n<p>Commercial leases often require tenants to carry a <a href=\"https:\/\/www.findlaw.com\/realestate\/landlord-tenant-law\/ten-landlord-legal-mistakes-to-avoid.html\">certain amount of insurance<\/a>. A renter&#8217;s commercial policy covers damages to improvements you make to your rental space and damages to the building caused by the negligence of your employees.<\/p>\n<ul>\n<li><b>Crime Insurance<\/b><\/li>\n<\/ul>\n<p>Crime insurance covers <a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/property-crimes.html\">property crimes<\/a> such as theft, burglary, and robbery of money, securities, stock, and fixtures from employees and outsiders.<\/p>\n<ul>\n<li><b>Fidelity Bonds<\/b><\/li>\n<\/ul>\n<p>A bond company covers losses due to a bonded <a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/embezzlement.html\">employee&#8217;s theft<\/a> of business property and money.<\/p>\n<h2>Liability Insurance<\/h2>\n<p>Liability insurance covers injuries that you cause to third parties. If someone sues you for <a href=\"https:\/\/www.findlaw.com\/injury.html\">personal injuries<\/a> or property damage, the cost of defending and resolving the suit would be covered by your liability insurance policy. A general liability policy will cover you for common risks, including customer injuries on your premises. More specialized varieties of liability insurance include:<\/p>\n<h2>Errors and Omissions Insurance<\/h2>\n<p>Errors and omissions (&#8220;E &amp; O&#8221;) insurance covers inadvertent mistakes or failures that cause injury to a third party. The act must actually be an inadvertent error, and not merely poor judgment or intentional acts. For example, an E &amp; O policy would cover damages arising from an insurance agent failing to file policy applications, or a notary forgetting to fill out notarizations properly.<\/p>\n<h2>Malpractice Insurance<\/h2>\n<p>Malpractice insurance, or professional liability insurance, pays for losses resulting from injuries to third parties when a professional&#8217;s conduct falls below the profession&#8217;s standard of care. For example, if a doctor makes a mistake that other doctors of his specialty would not have made, his patient might sue him. A <a href=\"https:\/\/www.findlaw.com\/injury\/medical-malpractice.html\">malpractice policy<\/a> will pay his defense costs and any judgment or settlement. Malpractice insurance is available for doctors, dentists, accountants, real estate agents, architects, and other professionals.<\/p>\n<h2>Automobile Insurance<\/h2>\n<p>Commercial <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/automobile-insurance-policy-coverage.html\">automobile policies<\/a> cover the cars, vans, trucks and trailers used in your business. The coverage will reimburse you if your vehicles are damaged or stolen or if the driver injures a person or property.<\/p>\n<h2>Directors&#8217; and Officers&#8217; Liability Insurance<\/h2>\n<p>This type of insurance is generally purchased by corporations and nonprofit organizations to cover the costs of lawsuits against <a href=\"https:\/\/www.findlaw.com\/smallbusiness\/liability-and-insurance\/why-purchase-directors-and-officers-insurance.html\">directors and officers<\/a>.<\/p>\n<h2>Workers&#8217; Compensation Insurance<\/h2>\n<p>Workers&#8217; compensation insurance covers you for an employee&#8217;s on-the-job injuries. Businesses with employees are required by various state laws to carry some type of <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-comp-faq.html\">workers&#8217; compensation insurance<\/a>. In most cases, workers&#8217; compensation laws prohibit the employee from bringing a negligence lawsuit against an employer for work-related injuries.<\/p>\n<h2>Get Help Choosing the Right Business Insurance Policies: Meet With an Attorney<\/h2>\n<p>Now that you&#8217;ve reviewed the different types of business insurance policies, you&#8217;ll want to seek out legal guidance to decide what is right for your organization. An experienced legal professional will be able to help you best protect your business without breaking the bank on unecessary coverage. Speak to a <a href=\"https:\/\/lawyers.findlaw.com\/insurance-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">small business attorney<\/a> in your area today to learn more.\u00a0<\/p>\n\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n           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