Provides coverage for property loss and liability arising from pollution-related damages, for sites that have been inspected and found uncontaminated. It is usually written on a claims-made basis so policies pay only claims presented during the term of the policy or within a specified time frame after the policy expires.

Liquor liability coverage, in general, provides coverage for property damage or bodily injury claims that the insured could be held liable for as a result of:

• Helping to cause or contributing to the intoxication of a patron.
• Selling or making alcohol available to obviously intoxicated patrons.
• The violation of any law or ordinance regarding the use, sale, distribution or gift of alcoholic beverages

The coverage only applies if the insured:

• Makes, sells, or distributes alcoholic beverages.
• Serves alcohol for free at a licensed event.
• Serves alcohol for a price, whether or not this activity is part of the insured’s livelihood or business.

Builders Risk is a special type of property insurance which indemnifies against damage to buildings while they are under construction.Builder’s Risk insurance is coverage that protects an insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.

Buildings are subject to many different risks while under construction. They may catch fire, be damaged by high winds, or fall victim to other force majeure. A principle of common law is that any new construction or other improvement to land becomes property of the owner of the land – the title holder – once there has been an “improvement” to the owner’s site. The general contractor may be responsible for any losses caused by his own negligence, but the owner is responsible for most other losses. Builder’s risk insurance indemnifies against some of these losses.

Builders risk insurance usually indemnifies against losses due to fire, vandalism, lightning, wind, and similar forces. It usually does not cover earthquake, flood, acts of war, or intentional acts of the owner. Coverage is typically during construction period only, and is intended to terminate when the work has been completed and the property is ready for use or occupancy.

Employment Practices Liability Insurance (EPLI) provides protection for an employer against claims made by employees, former employees, or potential employees. Legislation such as the Family Medical Leave Act and the Americans With Disabilities Act, plus a growing number of job-related lawsuits and claims, have created the need for business owners to consider EPLI. An EPLI policy offers insurance protection against claims and lawsuits that are brought against a business, its officers or directors, or its employees and managers. These policies generally cover charges in the following areas:

• Gender, age and other types of discrimination
• Sexual harassment
• Wrongful termination or discipline
• Negligent compensation, promotion or hiring decisions
• Breach of contract for employment
• Emotional distress or mental anguish
• Invasion of privacy
• Libel or slander
• Employee benefits mismanagement

While some directors’ and officers’ insurance policies contain employment practices liability insurance coverage, such coverage can be limited to directors and officers, and may have greater exclusions than a standalone EPLI policy.

Professional Liability is insurance that helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. These are potential causes for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm.

Professional Liability sometimes also provides for the defense costs, including when legal action turns out to be groundless. Professional liability insurance is required by law in some areas for certain kinds of professional practice (especially medical and legal), and is also sometimes required under contract by other businesses that are the beneficiaries of the advice or service.

Professional liability insurance may take on different forms and names depending on the profession. For example, in reference to medical professions it is called malpractice insurance, while errors and omissions (E&O) insurance is a term used by consultants, brokers and lawyers. Other professions that commonly purchase professional liability insurance include accounting and financial services, construction and maintenance. Some charities and other nonprofits also require Professional Liability.

Provides coverage for directors and officers of an organization for negligent acts, omissions, or misleading statements that result in suits against the organization, often by shareholders. Directors and officers insurance policies usually contain two coverages:

• Personal coverage for individual directors and officers who are not indemnified by the corporation for their legal expenses or judgments against them. Some corporations are not required by their corporate or state charters to provide indemnification.
• Corporate reimbursement coverage for indemnifying directors and officers. Entity coverage for claims made specifically against the company may also be available.

Provides property insurance for loss exposures that cannot be conveniently or reasonably confined to a fixed location, or a standard form. It includes insurance for certain movable property as well as instrumentalities of transportation and communication. Examples of property risks covered includes the following:

• Accounts Receivable
• Bailee Customer’s Goods
• Builders’ Risk
• Computer Coverage (Electronic Data Processing Coverage)
• Contractor’s Equipment

• Fine Arts
• Installation
• Motor Truck Cargo
• Transportation
• Valuable papers

Almost every business in the United States that has employees has to be concerned with workers’ compensation. Most states essentially require employers to purchase an insurance policy to handle their statutory obligations to workers who are injured or made ill due to a workplace exposure..
Workers’ compensation requirements in the United States began early in the 20th century, back in 1911. Before then, workers who’d been injured or made ill on the job had to take legal action against their employers, resulting in a system that simultaneously made it difficult for workers to obtain compensation for such injuries and yet exposed employers to potentially devastating financial penalties under the tort system.

But beginning in 1911, an historic compromise solution was devised by the various states. A "no fault" system was enacted which intended to make sure workers received fair and prompt medical treatment and financial compensation for workplace injuries and illness. This compromise system also established limits on the obligations of employers for these workplace exposures, so that the costs could be made more predictable and affordable.

A business owner policy (BOP) is a very popular form of insurance for small to medium sized businesses. BOPs combine some of the basic coverages needed by a typical small business into a standard package at a premium that is generally less than would be required to purchase these coverages separately.

Most of the coverages that are needed by small and medium sized businesses, with the exception of auto and worker’s compensation, are generally included. This not only simplifies the process of buying the basic insurance coverages, but often gives a lower premium for businesses that qualify for a BOP.

Business owner’s policies basically consist of property coverage, liability coverage and some additional types of coverage that most businesses require. Optional coverages can also be added to meet specific needs of the business.

The commercial package policy (CPP) offers flexibility since it allows for any combination of the following coverages:

• Commercial General Liability coverage;
• Commercial Property coverage;
• Commercial Crime coverage;
• Commercial Auto coverage;
• Boiler and Machinery coverage;
• Professional Liability coverage;
• Commercial Inland Marine coverage;
• Employment Practices Liability coverage.

All the above-mentioned coverage forms come with their own conditions, declarations, covered causes-of-loss and endorsements.