Property Insurance
Property insurance covers specified property, which may be damaged or destroyed by events of peril such as fire, storm or theft. If you don't own your building, you'll still need contents coverage. In the most policies, property insurance for business contents covers furniture, fixtures, inventory, office equipment and other supplies stored at your facility or off-premises. You may insure those items for replacement cost or for actual cash value (ACV), which pays only for the depreciated value of the property.
Replacement cost policies have higher premiums, however they can help your business recover from a loss faster, since you can replace all of the lost or damaged property with new items. If you lease some of the equipment at your business, the leasing company may require that you insure the property at replacement value.
General Liability Insurance
Liability insurance protects the business against losses even if they are negligent or liable for damage, injury or loss to another's property, reputation, or health. Typically, damages, legal defense fees and settlement charges are paid by the insuring company when a claim is filed against the business.
Bodily Injury – Legal obligation that flows from the injury or death of another person. This insurance is commonly limited to bodily injury liability derived by the way of negligence, but coverage of liability by way of contract (holding another harmless) is also possible.
Property Damage - In the event your business causes damage to, or causes the loss of use of someone else's property, property damage coverage may pay for the value of the physical damage to the property; or the loss of use of that property.
Garage policy
One of the early package policies, it is written for automobile dealers and may include liability for garage operations, automobile operations, 
physical damage coverage on garage owned autos, bailees coverage on customers cars, and auto and premises medical payments coverage.
Garagekeepers liability
A bailee coverage applying to automobiles. Commonly included in garage policies, it may be written to provide coverage for limited perils or for comprehensive physical damage, with or without collision damage coverage. Coverage may be expressed as covering the legal liability of the garagekeeper or amended to cover on a direct basis, as primary insurance or excess.
Products and Completed Operations
The liability exposure of the manufacturer whose malfunctioning products may cause injury or property damage or of the contractors whose failed structures or projects may do the same. Coverage of the exposure is a feature of the commercial general liability policy. The insurance does not in any way constitute a guarantee of either the insured’s product or work. Contrast with "premises and operations liability.."
Contractual Liability
General Liability coverage extends to any liability you may assume by entering into a variety of different types of contracts such as a building lease.
Hired Auto & Non-Owned Auto
Hired Auto & Non-Owned Auto coverage if requested is typically added as an endorsement on a policy. If their are no vehicles owned by the company this coverage will meet the contract requirement for Commercial Auto coverage.
Hired Auto coverage replaces or augments the liability coverage offered by auto rental agencies for example.
Non-Owned Auto coverage protects your company in the event that your company is sued as a result of an auto accident that you or one of your employees has in a personal vehicle while on company business.
Medical Payments
If someone is injured by you or at your business site, the policy may pay for medical and funeral expenses incurred, up to policy limits, within one year of the accident . For example, if a customer tripped and fell on your premises and had to be hospitalized.
Personal Injury
Most General Liability policies provide coverage if you are accused of:
Wrongfully evicting someone
Publishing material that violates a person's right of privacy;
Falsely arresting, detaining or imprisoning someone;
Maliciously prosecuting someone;
Publishing inaccurate information that slanders or libels a person or organization.
Advertising Injury
In the course of advertising your company's own goods, products or services, this policy will provide valuable liability protection against a
dvertising injuries resulting from:
Publishing inaccurate information that slanders or libels a person or organization;
Publishing material that violates a person's right of privacy;
Copying some other company's advertising ideas or style of doing business;
Infringing on another company's copyright, title or slogan.
