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Every business, even ones that are home based, need general liability insurance.

Business Liability insurance provides both defense and damages if you, your employees, your products or services cause or are alleged to have caused bodily injury or property damage to a third party.

If you own the building where your business is, or have content, known as business personal property, including office equipment, computers, inventory or tools, you will need commercial property insurance that will protect you if you have a fire, vandalism, theft, smoke damage, etc.

You should include business interruption insurance as part of the policy in order to protect your earnings in the event the business is closed and unable to operate.

With commercial auto insurance, you can insure your work vehicles from damage and collisions. If you do not have company vehicles, but employees drive their own cars on company business, you should have hired and non-owned auto liability to protect the company in case the employee does not have insurance or has inferior or minimum coverages.