When considering commercial insurance for your business it’s important that you get the right coverage. Whatever industry you’re in you’ll likely need the essentials—property liability, professional liability, general liability, workers compensation, and group health. But beyond that you will need coverage that applies to your particular needs.

For example: if your business owns a vehicle used by one or several employees either on site or on public roads, you’ll need business auto insurance. If you own a retail outlet with large display windows and brand signage, you’ll want sign and glass insurance. If you send out product as cargo, you’ll need ocean cargo or inland marine insurance. If you’re a contractor—working alone or with many employees—builders risk insurance will be a must. Maybe you host events for your customers or subscribers, in which case you should have special events insurance. Many businesses, especially small businesses, today invest in cyber crime insurance—coverage against an unseen assailant who can wreak havoc in an instant.