Commercial General Liability
Covers what you could be obligated to pay due to bodily injury or property damage to others. Liability covers the premises and operations of the insured, as well as products and completed operations.

Commercial Property Insurance
Covers the building or buildings and contents of the business. Outdoor signs, crime coverage, property of others, glass coverage, etc., can be covered as well, depending on the needs of your business.

Commercial Auto
Is similar to personal auto coverage but is intended for vehicles used in the course of business. For example an employee is making a delivery, backs up and dents another vehicle in a parking lot. The property damage portion of that policy would pay for the damages to the other vehicle.

Workers Compensation
Protects your employees if they suffer job-related injuries. The policy pays the medical bills for the employee who is injured on the job. If there is time off from work due to that injury, the insurance pays disability income to the injured worker. 

Surety Bond
Contractors usually are required to purchase surety bonds, if they are applying for license or permit in certain cities or villages.

A surety bond guarantees to one party that another (the contractor) will perform specified acts, usually within a stated period of time. The surety company typically becomes responsible for fulfillment of a contract if the contractor defaults. Unlike other forms of insurance, the entity protected by the bond is a third party, not the buyer; the surety bond buyer is the one doing the work which is guaranteed.