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title: What types of insurance policies do businesses typically need to protect themselves from liability?
description: "\"Legal Faqs explains what types of insurance policies businesses need to protect themselves from liability. Learn more about key coverages and why they are crucial for your business's protection.\""
image: https://www.legalfaq.ai/hubfs/LegalFAQ/insurance-legal-faqs.jpg
---

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 March 24, 2023

# What types of insurance policies do businesses typically need to protect themselves from liability?

![Picture of Chris Battis](https://www.legalfaq.ai/hs-fs/hubfs/battis-mug.jpg?width=50&name=battis-mug.jpg) By  [Chris Battis](https://www.legalfaq.ai/faqs/author/chris-battis)  ·   1 minute read

Types of Liability Insurance Policies for Businesses

# Types of Liability Insurance Policies for Businesses

As a lawyer, businesses typically need liability insurance policies to protect themselves from potential claims or lawsuits. The types of insurance policies that businesses should consider depend on the nature of the business and the risks associated with their operations. Here are some common types of liability insurance policies that businesses should consider:

- **General liability insurance:** General liability insurance protects businesses from claims of bodily injury, property damage, or personal injury that occur on their property or as a result of their operations. It usually also covers defense costs associated with lawsuits.
- **Professional liability insurance:** Professional liability insurance (also known as errors and omissions insurance) protects businesses from claims of negligence related to their professional services. This is typically purchased by businesses in fields like medical or financial professions, where mistakes can have serious financial or health consequences.
- **Product liability insurance:** Product liability insurance protects businesses that manufacture or sell products from claims of harm or injury caused by defects or malfunctioning products.
- **Employment practices liability insurance:** Employment practices liability insurance protects businesses from claims of discrimination, harassment, wrongful termination, and other employment-related claims.
- **Cyber liability insurance:** Cyber liability insurance protects businesses from the costs associated with data breaches or cyber attacks, including loss of data, notification expenses, and liability to third parties affected by the breach.

It is important to note that these are just examples of common liability insurance policies, and there may be other policies that are relevant to your business. Additionally, the extent of coverage and exclusions will vary depending on the specific policy and jurisdiction.

Lastly, I recommend that businesses work with a licensed insurance broker or attorney to assess their specific risks and needs to determine the appropriate insurance policies to protect themselves from liability.

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