Coverage Types

General Liability Insurance

General liability insurance is designed to help protect a business in the event of a claim for bodily injury or property damage to a third party - a common example is a spectator slip-and-fall near an enclosure or event area. Depending on the policy, coverage may also extend to claims arising from premises, products, completed operations, and personal/advertising injury.

Be careful when comparing quotes to make sure the general liability policy you're applying for is not a “premises only” policy, and confirm whether products and completed operations are excluded, if that matters to your operation.

Business Personal Property & Inland Marine Coverage

This type of coverage may help protect business equipment at your location - fencing, enclosures, signage, and similar property. If your business travels to events, ask specifically whether off-premises personal property or mobile equipment is included, since many base policies don't include it automatically.

Commercial Auto and Trailer Insurance

This type of coverage may help insure vehicles and trailers used in the business. Commercial auto coverage is generally required even when a personal vehicle is used for business purposes - many personal auto policies exclude business use entirely. Ask about policies that accommodate both business and personal use, and separate or combined policies for trailers and toy haulers.

Watch for policies with exclusions that could reduce protection, such as “bite exclusions” or limitations tied to a specific premises.

Cyber Liability Insurance

This type of coverage may help a business respond to a data breach or cyberattack - for example, if customer names, addresses, or payment information collected through an online quote form or booking system is exposed. It can also help with costs like notifying affected customers, credit monitoring, and legal or forensic expenses. Availability and terms vary by carrier and the size of the business.