Coverage Checklist
What most growing businesses need to have in place
A quick reference, not a substitute for a real risk review — use it to spot obvious gaps before you talk to a broker.
Core coverage every business should consider
General liability (GL) for bodily injury and property damage claims
Commercial property coverage for owned or leased space and equipment
Business Owners Policy (BOP) if you qualify — bundles GL and property at lower combined cost
Workers’ compensation if you have any employees, even part-time
If you have employees
Employment Practices Liability (EPLI) for wrongful termination, discrimination, harassment claims
Group health, life, and disability benefits if you’re competing for talent
Commercial auto if employees drive for work, even occasionally
If you touch client data, tech, or advice
Professional liability / Errors & Omissions (E&O)
Cyber liability for data breach, ransomware, and business interruption from an attack
Technology E&O if you build or sell software or IT services
As you grow
Directors & Officers (D&O) once you have outside investors, a board, or multiple owners
Commercial umbrella for extra liability limits above your base policies
Business interruption coverage to replace income if a covered event shuts you down
