General liability insurance
The most basic type of small business insurance, general liability insurance, covers third-party claims of bodily injury, property damage, and personal and advertising injury. It provides the investigation, legal defense, and settlements for claims brought against you and your business, even if you are ultimately not found to be responsible.
Should you want both general liability and commercial property insurance, you can package them together into a Business Owners Policy (BOP). Bundling these policies together saves small business owners time and resources.