Commercial General Liability coverage for the business owner, should the owner or employee be found liable for causing physical bodily injury or loss, property damage or loss, personal injury or advertising injury to another person.  Commercial General Liability is often coupled with a Business Property policy which basically covers your office equipment, computers, furniture and other materials

A more common and cost effective policy many small to medium business owners choose is a Business Owners Package policy commonly referred to as a BOP.  Although it can be ideal for many of these types of business owners, not every business is eligible for this type of coverage.  Once again consult with an insurance professional to determine if your business can benefit from this type of coverage.