Business and commercial insurance refers to a type of insurance that is designed to protect businesses against financial losses that may arise from unexpected events or risks. This insurance typically covers a range of risks, including property damage, liability, and loss of income.

Business and commercial insurance can include a variety of different types of coverage, such as:

Property insurance: This type of insurance covers damage to a business's property, such as a fire, theft, or natural disaster.

Liability insurance: This type of insurance covers a business's legal liability for injuries or damage caused to others, such as customers or employees.

Business interruption insurance: This type of insurance covers a business's loss of income if they are unable to operate due to a covered event, such as a fire or natural disaster.

Workers' compensation insurance: This type of insurance covers employees who are injured on the job and provides them with benefits such as medical expenses and lost wages.

Professional liability insurance: This type of insurance covers professionals, such as doctors, lawyers, and accountants, against claims of negligence or malpractice.

Cyber liability insurance: This type of insurance covers a business's liability for data breaches or other cyber attacks.

Overall, business and commercial insurance is essential for businesses of all sizes, as it helps protect them against financial losses that could be devastating to their operations.