Commercial property | - Has a physical location or stock
| - Property damage due to theft, fire, water, storms, impact and more
| - The cost of repairs or replacement
|
Professional indemnity | - Gives advice or provides a service
| - A customer filing a lawsuit if you give incorrect or misleading advice
| - Legal fees, investigation costs and compensation
|
Product liability | - Creates and sells any product
| - That product injuring someone or causing property damage
| - Legal fees, investigation costs and compensation
|
Public liability | - Has a physical location or comes into contact with people in any way
| - A person being injured or killed due to your business activity or premises
| - Legal fees, investigation costs and compensation
|
Business interruption | - Requires a certain location, certain equipment or even just certain circumstances to operate
| - Your business being unable to operate if something disrupts the basic requirements
| - Covering the cost of lost income
|
Cyber | - Has any online involvement
| - Cyber attacks, leaked customer information, ransom demands
| - Data recovery, expert consultants, legal fees and compensation
|