General liability coverage is commonly included in business insurance packages in Indiana.

If someone says that your company’s actions caused injury or property damage, general liability coverage can help pay for medical expenses and repairing and replacing property. If you’re sued, it can help cover court costs, attorney fees and damages for which you’re held liable.

General liability insurance would apply in this situation:

A building owner accuses an Indianapolis construction company of improperly fixing a steel column during renovations, which requires expensive repairs to remediate structural damage.

General liability insurance in Indiana could help the construction company pay to repair the damage. If the owner sues, it could also help cover court costs, legal fees and any damages for which the construction company is held responsible.

Construction and cleaning companies may choose to purchase tools and equipment coverage with their general liability policy. This optional add-on can help pay to replace or fix business gear that is stolen, lost or damaged.

Most small businesses with employees are required by the state to carry Indiana workers’ comp insurance. This kind of coverage is designed to help pay costs when employees suffer job-related injuries and need medical care and time to recover.

For instance, an employee of a Fort Wayne retail store falls from a stockroom ladder, breaks an arm and is temporarily unable to work. Workers’ compensation insurance could help the business pay for the injured employee’s medical bills and physical therapy costs. It could also cover a portion of the employee’s wages while they get better.

If your business involves driving, you’ll need commercial auto insurance as part of your insurance package. It’s critical because personal auto policies won’t pay for accidents or bodily injury caused when you’re behind the wheel on business.

Here’s a scenario where commercial auto coverage could help a small employer:

A shuttle driver at a small hotel in Evansville rear ends a line of cars while dropping off guests at a restaurant. Commercial auto insurance could help the hotel owner pay for damage to its shuttle and other vehicles, and help cover medical expenses if anyone is hurt.

Hired and non-owned auto coverage is an optional add-on to commercial auto coverage. It is designed to cover damage from accidents that happen when employees drive their own cars for or rent vehicles for business reasons.

Indiana commercial property insurance, sometimes called business property insurance, can help pay for business property that’s damaged or destroyed after a covered event, such as water, fire or wind incidents.

For example, a kitchen fire at a Terre Haute family-style restaurant damages the cooking station. Commercial property coverage could help pay to repair the grill and replace frying pans that were ruined.

It’s important to read your policy documents carefully to make sure there aren’t exclusions for your business. Many providers don’t cover flooding and hurricane damage.

If your business is accused of making a professional error that cost someone else money, professional liability coverage, also known as E&O or errors and omissions insurance, can offer crucial protection. It can help pay damages and legal fees to defend your business.

For instance, a commercial office building developer claims that a Bloomington architecture firm didn’t deliver a building plan on time, which caused several clients to pull out of the project. The developer sues the architect for damages.

Professional liability coverage could help the architect pay for legal costs and court fees and to help settle the case.