Property damage from fire, storms, and accidents Liability in many forms, including product liability, accident/injury liability, libel, malpractice, and professional liability or “errors and omissions” risks Fraud, embezzlement, extortion Cyber-crime and data loss Every company, large and small, has unique risks. Some have workers who operate heavy machinery or drive vehicles while on the job, while others serve food and alcohol or handle toxic substances. Doctors and hospital staff handle patients, body fluids, sharp needles, and equipment. Some employees handle sensitive documents, data, or money, potentially opening the door to business fraud. For this reason, every company needs commercial insurance coverage specifically matched to the risks of the enterprise.