Business Insurance
Get the right protections against the unexpected costs of running a business.
![Employment Practices Liability Coverage: Insurance that covers claims against your business by employees for illegal acts like discrimination, wrongful termination, and retaliation.](https://www.investopedia.com/thmb/pHGYFCis6YEOH2y4CJSo3uqj5io=/4000x2700/filters:no_upscale():max_bytes(150000):strip_icc()/what-is-employment-practices-liability-coverage-8348723-final-de0935c33e2c434f91a1a5f1e332c117.png)
What Is Employment Practices Liability Coverage?
![Equipment Breakdown Coverage: Insurance that covers property damage caused by a sudden and accidental breakdown of mechanical, electrical, or pressurized equipment.](https://www.investopedia.com/thmb/4HmbEOH_xSqaQVFqg1txxsLWGog=/4000x2700/filters:no_upscale():max_bytes(150000):strip_icc()/what-is-equipment-breakdown-coverage-8348546-FINAL-1-6349c51448ba4723b4f4966d45bf49cc.png)
What Is Equipment Breakdown Coverage?
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What Does Bonded Mean? Definition and How It Works
![Cafe Owner Meeting with Insurance Salesman](https://www.investopedia.com/thmb/sNWBhGGw6Ry-wozDD8EL02HrCpo=/8256x5504/filters:no_upscale():max_bytes(150000):strip_icc()/INV_BusinessInsurance_GettyImages-1215028150-034fd26b05534b65bdb790227b4587ca.jpg)
Types of Business Insurance Plans: How to Decide Which Is Right for You
![Portrait of female coffeeshop owner in coffeeshop](https://www.investopedia.com/thmb/aeOae7MI1DMkIqLFR4JnOxklnmo=/4000x2667/filters:no_upscale():max_bytes(150000):strip_icc()/Primary-Image-best-commercial-property-insurance-7373760-f9e472ff30de4853a02eb80012f31f52.jpg)
Best Commercial Property Insurance
Explore Business Insurance
![Wrap-Up Insurance](https://www.investopedia.com/thmb/pAOnJG1f5MVSbAUNjmgiMrWsWIo=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/Wrap-Up-Insurance_Final_4186693-resized-c35b036328934554b579ee8c691270e4.jpg)
Wrap-Up Insurance: Definition, 2 Main Types, and Coverage Example
![World Insurance](https://www.investopedia.com/thmb/9B-LVwTIAaePbn4fmMEiEBZRnzA=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/world-insurance-edit-476eedc509fb490e97ff6b8bedf38c68.jpg)
World Insurance: What It is, How It Works, Types
![](https://www.investopedia.com/thmb/TZoK__cSXjrbWzU9F9cmHR-Pw24=/380x253/filters:no_upscale():max_bytes(150000):strip_icc()/156416606-5bfc2b8b46e0fb00517bdff7.jpg)
Wholesale Insurance
![](https://www.investopedia.com/thmb/FUoEhT9A_E3fceGQZU27rY-UZIc=/380x254/filters:no_upscale():max_bytes(150000):strip_icc()/200275051-001-5bfc2b8b46e0fb0083c07b92.jpg)
Multiline Insurance: What It Means, How It Works, and Advantages
![Advance Loss of Profit (ALOP) Insurance](https://www.investopedia.com/thmb/1IJncqj0PLUjyXPB7ZNgC1HOVtQ=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/TermDefinitions_advance-loss-profit-alop-insurance-39c4da185ec84784b73e6a4cca17340f.jpg)
Advance Loss of Profit (ALOP) Insurance: What it is, How it Works
![](https://www.investopedia.com/thmb/ODMejtIOzgSZYNxA9PQ2JsGY5-I=/380x254/filters:no_upscale():max_bytes(150000):strip_icc()/89794268-5bfc2b8bc9e77c005143f0cf.jpg)
Weather Insurance: What It Is, How It Works, Example
![War Risk Insurance](https://www.investopedia.com/thmb/CC8H4uW_4-qUQqTRtLK9bYCmAcc=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/WarRiskInsurance3-2Final-5adbc45b6e0846e4ac4a3c159a8b7d3e.png)
War Risk Insurance: What it is, How it Works
![Use and Occupancy Insurance (U&O)](https://www.investopedia.com/thmb/v7JCTa1eEMulKMKrfFuD2LkxPn4=/4000x2700/filters:no_upscale():max_bytes(150000):strip_icc()/use-and-occupancy-insurance.asp-Final-1152eff812c84b76b9f191f5513b9c4a.png)
Use and Occupancy Insurance (U&O)
![Unit Linked Insurance Plan](https://www.investopedia.com/thmb/upS-rJMgMw1r7Z5DC_TJa7lJ6JY=/1500x1003/filters:no_upscale():max_bytes(150000):strip_icc()/Unit-linked-insurance-plan-resized-d9ca6fd160504191b77aee8d2c1b9fec.jpg)
Unit Linked Insurance Plan: What It Is, How It Works
![Risk-Based Deposit Insurance](https://www.investopedia.com/thmb/BZO_OUTNZDB-qOF7GmMnPgi-bSc=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/Risk-based-deposit-insurance_final-6a2d6c5a078749e2b8080a819515566f.png)
Risk-Based Deposit Insurance: Meaning, Benefits, Limitations
![Retrospectively Rated Insurance](https://www.investopedia.com/thmb/OmTVyQjJKehCaNR-6GaKkSe9FL0=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/Investopedia_RetrospectivelyRatedInsurance_Color-c3ea234ce56245c6b7e9f08983473ced.jpg)
Retrospectively Rated Insurance: What it Means, How it Works
![Product Recall Insurance](https://www.investopedia.com/thmb/Eb2T9iWmzsqVBOTN83MEpML4CJc=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/product-recall-insurance_recirc_Final-7713658fca304e20b62b2083581c3edd.png)
Product Recall Insurance: What it is, Reasons For it
![Prior Acts Coverage](https://www.investopedia.com/thmb/FSqoCSOC-wOlcEgEDhYMSEnADq0=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/PriorActsCoverage_final-c428a59e5e0c421d8b154c35c507cdc4.png)
Prior Acts Coverage: What it Means, How it Works
![The United States capitol builing on a sunny day.](https://www.investopedia.com/thmb/GowJY9q8lKW0UDLmoiMVBzwYJ3A=/5184x3456/filters:no_upscale():max_bytes(150000):strip_icc()/the-united-states-capitol-builing-on-a-sunny-day--857514306-ec2ba7aada784e2c922f415f410c0f7b.jpg)
Political Risk Insurance: What it Means, Examples
![Malpractice Insurance](https://www.investopedia.com/thmb/9XVmezucjxHoM4s_kSmH8Lm3adg=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/malpractice-insurance-recirc_final-583a0e9f33e54268853599814489e1f3.png)
Malpractice Insurance: Definition, Types, Importance
![Difference In Conditions (DIC) Insurance](https://www.investopedia.com/thmb/bkita2kNz3B098Vrscp651S6lO4=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/difference-conditions-dic-insurance.asp_final-35ff840cf30f40c38ac0895b7dad70ce.png)
Difference In Conditions (DIC) Insurance: Definition and Examples
![Business meeting](https://www.investopedia.com/thmb/dymLA5xN70H79RpVwM2XQOW2jrk=/2120x1414/filters:no_upscale():max_bytes(150000):strip_icc()/business-meeting-1035834404-6a1a598b5bac4dc9a15e8da677466e7f.jpg)
Understanding Insurance vs. Excess Insurance vs. Reinsurance
![Gross Profits Insurance](https://www.investopedia.com/thmb/SuUNJ2z4hWR6bcjrGbw_O3rlPKA=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/gross-profits-insurance-4195355-final-1-088db9e6b82c4db48d468ab36ef94ff6.png)
Gross Profits Insurance: What it is, How it Works
![Finite Risk Insurance](https://www.investopedia.com/thmb/O8rVC3EO9tNlmE0OHp650iCszTw=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/FiniteRiskInsurance_v1-d80e3462d7d2473da42d6ee36b04ca1f.jpg)
Finite Risk Insurance: Types, Benefits, Criticism
![Extra Expense Insurance](https://www.investopedia.com/thmb/0SNshhxjdM_ap7bsVeBY_MslZNE=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/ExtraExpenseInsurance_final-3c6f3c84442a4f24882c8df0c12c7408.jpg)
Extra Expense Insurance: What It Is, How It Works
![Errors and omissions insurance E&O form.](https://www.investopedia.com/thmb/KCaF2aK-4GArTUPcezt_68K9r-I=/2121x1414/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1134608647-d06eff10dc3746119683550068860dae.jpg)
What Is Errors and Omissions Insurance?
![Crisis Management Coverage](https://www.investopedia.com/thmb/HZj4ojMktdN9AKIGU4nBoysO0aY=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/crisis-management-coverage_final-cc4185fe9bd5469e8e98b08dcd4322cd.png)
Crisis Management Insurance: What It Is, How It Works
![Corporate Reimbursement Coverage](https://www.investopedia.com/thmb/u7-8U0ZiT8bzW6D4CDIuHLBgrr8=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/Corporate-reimbursement-coverage_final-d3a2839c54d047b99bd878221021c2e2.png)
Corporate Reimbursement Coverage: What It Is, How It Works
![](https://www.investopedia.com/thmb/fDpWuxOAMRsVXJGF6ENzO7AQ0y0=/680x440/filters:no_upscale():max_bytes(150000):strip_icc()/business_building_153697270-5bfc2b9846e0fb0083c07d69.jpg)
Control Of Well Insurance: What It Means, How It Works
![Contractors' All Risks (CAR) Insurance](https://www.investopedia.com/thmb/nOp7vvDRNUPCRkUJEvH3NxAuxrg=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/contractors-all-risks-car-insurance-recirc-b4b5ae47f13d44b9a428c241ee21ced5.png)
Contractors' All Risks (CAR) Insurance: Definition and Example
![Contractors Professional Liability Insurance](https://www.investopedia.com/thmb/hPyOytjcy-xVCocafRJuVhNhFgM=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/CPLI-3-2-ee0e63dbb446410093b4e052e0df52b3.jpg)
Contractors Professional Liability Insurance Overview
![Construction Occupancy Protection Exposure (COPE)](https://www.investopedia.com/thmb/a16NXyUznXX9dYdXQ1NMzNU50UE=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/TermDefinitions_ConstructionOccupancyProtectionExposure-edit-43115176f05a44258189ce0468d18d3b.jpg)
Construction Occupancy Protection Exposure (COPE) Definition
![Consignment Insurance](https://www.investopedia.com/thmb/xSmGtqYdNN3OAanCYHvkFPXoKMY=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/TermDefinitions_consignment-insurance-75fc558fb38d41ee9833b5e34dc0e68e.jpg)
Consignment Insurance: What It Is, How It Works
![Completed Operations Insurance](https://www.investopedia.com/thmb/ZbiGfmmsYX23IzwwOwiOg4HZzeQ=/4000x2700/filters:no_upscale():max_bytes(150000):strip_icc()/completed-operations-insurance.asp-final-e504ac396d944f29a6aaa0dd8e169f2f.jpg)
Completed Operations Insurance: What it is, How it Works
![Commercial Lines Insurance](https://www.investopedia.com/thmb/6i45KATgoM9iExBFjNnYdOHArXk=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/Commercial-Lines-Insurance-Recirc-ec073a5ea4c7432ea58370c07857d738.png)
Commercial Lines Insurance: Definition, Types, vs. Personal Lines
![Commercial General Liability](https://www.investopedia.com/thmb/-9ApUAXevLLXqUj2Bbnzjjvahl8=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/Commercial-General-Liability-Final-51e0c0f9b27d4e409a7f49da59fbe037.jpg)
What Does Commercial General Liability (CGL) Insurance Cover?
![Classified Insurance](https://www.investopedia.com/thmb/kZKGVvc4JMf9O-nq3EW_ZJZmodI=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/Term-Definitions_Clasified-insurance---PRIMARY-resized-4e06e0912b074b65a9cf9ec20ed0e2cb.jpg)
Classified Insurance: What it Means, How it Works
![Business Legal Expense Insurance (LEI)](https://www.investopedia.com/thmb/ABAXQbz0FQHSlfw44m81n7g2SqQ=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/Business-legal-expense-insurance-4200131-final-0d554f2a4cf9474ba00085ad3dc9650b.png)
Business Legal Expense Insurance (LEI): What It is, How It Works
![Two employees review information on a tablet.](https://www.investopedia.com/thmb/1AxGOxr6Cyi-7cCuzt1iRstpGwg=/5618x3745/filters:no_upscale():max_bytes(150000):strip_icc()/Restaurant-94be0718243642adbdf0d695faf19457.jpg)
What Is Commercial Insurance?
![Business Crime Insurance](https://www.investopedia.com/thmb/qR-A9jUma3h3JEiUbJhG4QrAloA=/2000x1333/filters:no_upscale():max_bytes(150000):strip_icc()/BusinessCrimeInsurance-FINAL-cf89bfe0f48a404f86de87c8c4131e18.png)
Business Crime Insurance: What it is, How it Works, Impact
![Business Continuation](https://www.investopedia.com/thmb/2jKy_VUz-NOysL3IERetmnJZCW4=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/business-continuation-insurance_final-5837cd77dbdb49f5bd2b9c179aac0158.png)
Business Continuation Insurance: What It Is, How It Works
![Broadcasters Liability Insurance](https://www.investopedia.com/thmb/DClaSvAY5gqGGrBhlReB4HD1KoY=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/broadcasters-liability-insurance_final-a66f720b84b84910861eaab6e81569a9.png)
Broadcasters Liability Insurance
![Broad Form Storekeepers' Insurance](https://www.investopedia.com/thmb/bUW8Nu-Jt_tRDRJHAwHhDhqbB7k=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/broad-form-storekeepers-insurance-56eb85372b044b1786ef1b55dda449ce.jpg)
Broad Form Storekeepers' Insurance
![Industrial boiler](https://www.investopedia.com/thmb/hRQOox6s6yazKxzkdAU6EhInFs0=/1920x1078/filters:no_upscale():max_bytes(150000):strip_icc()/boiler-3391538_1920-bb9e5b3f6fb94430a0c4e94abb61dfba.jpg)
Boiler and Machinery Insurance: Meaning, Overview, Benefits
![Blanket Contractual Liability Insurance](https://www.investopedia.com/thmb/k0jqn4RvIXZDVF83bDOXPTe-_rA=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/BlanketContractualLiabilityInsurance_final-6171a1e4209b43a7abb1ac40befea0f9.jpg)
Blanket Contractual Liability Insurance: What It Is, How It Works
![Betterment Insurance](https://www.investopedia.com/thmb/xkaJD3Y_ZxHy_llR1TImRbO8LUc=/4000x2700/filters:no_upscale():max_bytes(150000):strip_icc()/terms_b_betterment-insurance_FINAL-93539c3a74534c5993af22b4b413ddd9.jpg)
Betterment Insurance: What it Means, How it Works, Example
![Bankers Professional Liability (BPL) Insurance](https://www.investopedia.com/thmb/Yl6ks6yvByqIzn6fq3rEqycCrrY=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/BankersProfessionalLiabilityInsurance_Final_4200961-c9e3d4f1aa5c4f0c9017e96c8550ffcf.png)
Bankers Professional Liability (BPL): What It is, How It Works
![Aircraft Insurance](https://www.investopedia.com/thmb/KXwLfN2CuahXYaAVx9thz8kmFPQ=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/aircraft-insurance2-f96e49597df446d3a70054db9fa9666c.jpg)
Aircraft Insurance: What it is, Coverage Level, Types
![Air Cargo Insurance](https://www.investopedia.com/thmb/FW3zSREyflmUsCcR95o9WPgYunQ=/1500x1003/filters:no_upscale():max_bytes(150000):strip_icc()/Air-cargo-insurance-Final-blue-700eac1c3aee4735a92243448c37091a.jpg)
Air Cargo Insurance: What It Means and How It Works
![Car Accident](https://www.investopedia.com/thmb/QXGTEQkuLv5Xahhyz4vklMTL08I=/2122x1412/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-97371271-bf208627181f4878a1de75900291b93a.jpg)
Aggregate Stop-Loss Insurance
![Admitted Insurance](https://www.investopedia.com/thmb/3y2ovxEsQKw6opwprn47tfVNMzU=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/admitted-insurance-4201953-final-1-b3bbb84713c143719cac7b052e78c3e5.png)
Admitted Insurance: What it is, How it Works
![Adjusted Net Worth](https://www.investopedia.com/thmb/gk4FtzugP_eJVax0dPfT4Qc6qPo=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/adjusted-net-worth.asp_V3-a8318947474a43fba183c327b28f082b.png)
Adjusted Net Worth: What it is, How it Works
![Adjusted Earnings](https://www.investopedia.com/thmb/niA9W0Omb-Sgdtx36kJpW7PIgLI=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/color-6a85f2171f0449d7ab4738d962045c89.jpg)
Adjusted Earnings: Meaning, Overview, Benefits
![Accounts Receivable Insurance](https://www.investopedia.com/thmb/t6p-49PD48zdteNuq4-EytbsJ2Q=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/accounts-receivable-insurance-4202186-final--1-06a53bde81a046faa71791b337ee75bd.png)
Accounts Receivable Insurance: What it is, How it Works
![Administrative Services Only (ASO)](https://www.investopedia.com/thmb/N0vzvoN7G68UETrtiLJMH7qWU90=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/Investopedia_AdministrativeServicesOnlyASO_3-2-0a10324b60174caba9e9ab985c6fba05.jpg)
Administrative Services Only (ASO): Definition, Pros & Cons
![Insurable Interest](https://www.investopedia.com/thmb/tzbrR3tGz23XoOLburcS3mZMyok=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/InsurableInterest-c55175ec7272432d9e06c350a1e7fd21.jpg)
Insurable Interest
![Expected Loss Ratio Method](https://www.investopedia.com/thmb/Ru0T7u_f17mQf6hbc9n7fOBi-HE=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/expected-loss-ratio-method-4196766-final-1-66d024ebe7d24e8186c3de9d45080209.png)
Expected Loss Ratio – ELR Method: Overview, Calculation, Formulas
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Ceding Commission: Definition, Purpose, Calculation Formulas
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Carriage and Insurance Paid to (CIP): Definition and Example
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Self-Insure: Definition, Examples, Pros & Cons
![Adjusted Premium](https://www.investopedia.com/thmb/ShqidvXjPtXNs1MHq0J_lczsEsI=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/terms_a_adjustedpremium_FINAL-bcfd9bd961014d7781cf69e8827d7c93.jpg)
Adjusted Premium: What it Means, How it Works, Example
![Business Net Retention](https://www.investopedia.com/thmb/3t2Ml0h9SQQXOOZ55LtzY5JSo5U=/1500x1000/filters:no_upscale():max_bytes(150000):strip_icc()/BusinessNetRetention_final-563e09068e8747b295916afe5cdcde69.jpg)
Business Net Retention: Meaning, Importance, Example
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College Construction Loan Insurance Association (CCLIA)
![Maximum Foreseeable Loss](https://www.investopedia.com/thmb/msZ83BSac-k5ZODqFKpYEnYw81U=/1500x1003/filters:no_upscale():max_bytes(150000):strip_icc()/Maximum-forseeable-loss-Final-resized-ef8f204363894fbba34d43f9c9ec61e7.jpg)
Maximum Foreseeable Loss (MFL): Meaning, Calculating, Example
![Cost and Freight (CFR) vs. Cost, Insurance, and Freight (CIF)](https://www.investopedia.com/thmb/n0-RkI5n0jXvd-3H2-sMZu7pAJ0=/4000x2700/filters:no_upscale():max_bytes(150000):strip_icc()/What-difference-between-cost-and-Freight-cfr-and-cost-insurance-and-freight-cif_v1-6ac9f3203afc40cfacf6982a3d52d6b8.jpg)
Understanding CFR vs. CIF