We can easily classify which insurances you need depending on the type of work.

1. Workers compensation insurance In order to be covered in case the worker gets injured or sick at the workplace.
   This insurance is required by most states because you must cover all work-related injuries and medical expenses, lost wages of the injured worker and even death. Regardless of whether the worker has personal health insurance, you are responsible for his medical expenses if an injury occurs in the workplace, and such injuries occur even in the safest conditions. If you do not have this insurance, you have to pay all the costs yourself, which can be quite expensive.

2. General liability insurance.
   It covers bodily injury to your customers, property damage, advertising damage, personal injury, rental property damage and medical payments. These situations are common and every company should consider about this type of policy.

3. Professional liability insurance. In case your advice causes some damage to the client.
   The damage you can cause to your clients can be financial or physical. Such as doctors, consultants, advisors, personal trainers, nutritionists… Of course, the price of this insurance depends on the type of service you offer.

4. Business owners policy.
   This is a combination of two different insurance policies for general liability insurance and property coverage.

It includes cover for business interruption caused by a claim, which is ideal for small and medium-sized business owners. The problem with this policy is that it does not cover employees at all.

The Business owners policy includes customer injuries, customer claims related to your products, damage to movable and immovable property.

5. Commercial car insurance. To insure your people and company on the road with a policy. The difference between Commercial Auto Insurance and Personal Auto Insurance is that Commercial Auto Insurance covers far more things. Such as, for example, loading and unloading, business equipment on vehicles, coverage of rented vehicles, greater exposure of property, loaded items on the vehicle or trailer…

6. 6. Tools and equipment insurance is up to $10,000. It is intended to cover costs if the equipment is damaged during use, stolen or vandalized.
      The tool or work equipment must not be older than 5 years. And tool damage due to wear and tear is not covered.
      If you own tools that $10,000 won’t cover. You should take out inland marine insurance.

6. Commercial Umbrella Insurance.

This coverage extends of  the limits for some of your liability policies.