If you turned your building upside down and shook it, this covers the things that would fall out. This includes any items stored at your location that belong to your customers. It also covers the value of any changes or improvements you made to your leased property in order to do business there.

Helps protect your business from claims or lawsuits involving your products or business operations. Imagine the impact to your business if a customer is injured at your workplace or an employee causes damage to a customer's property. General liability can cover all that plus claims of false advertising and libel.

Did you know? General liability insurance does not cover lawsuits relating to your professional services.

Provides benefits to your employees for work-related injuries or illnesses including medical care, wages from lost work time and more. If the worker's family decides to sue you, coverage can help you with related legal fees. Why do you need workers" compensation coverage? First, most states -- and many of your customers -- require it. Plus, it’s the right thing to do for your employees. For a one-person operation, work-related injuries may not be covered by your health insurance.

Did you know? Businesses have been turning to The Hartford for workers" comp coverage for more than a century.