Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the vehicle you use in your business as you do for a car used for personal travel.  If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. Be sure to tell your agent about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

General Liability

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Workers Compensation

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards.  As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance.  Even in non-mandatory states, it can be a very good idea to have this coverage, particularly if you have many employees, or if they are engaged in hazardous activities.