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Business insurance combines protection from major property and liability risks. (You can always quote coverages separately.) Small and mid-sized business package policies are the most popular among business owners. Larger companies might customize their policies to meet the special risks they face. The most popular policies are:

- Property insurance for buildings and contents;
- Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe. Often includes the expense of operating out of a temporary location;
- Liability protection, which covers your company's legal responsibility for the harm it may cause to others and more.

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For professional liability, commercial auto, worker's compensation or small business group health insurance you'll need separate insurance policies.

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