a basic liability policy that covers four forms of injury--bodily injury or property damage that results in actual physical damage or loss, personal injury, and advertising injury. Crime Insurance: technically known as fidelity or Commercial Dishonesty Bond (AKA Employee Dishonesty) provides coverage when an employee steals money, equipment or other assets from you or one of your clients. First party fidelity covers your property and third party fidelity applies to your client's property. Fidelity coverage may be described in your contract in this way, "Commercial Crime Insurance in the amount of $1,000,000 including coverage for theft or loss of Client property."

Covers liability exposures that are common to all organizations; a combination of three separate coverages, each with its own insuring agreement and exclusions: Coverage A = general liability; Coverage B = personal injury and advertising injury liability; and Coverage C = medical payments.

Covers claims brought by third parties against your business alleging bodily injury, property damage, personal injury or advertising injury, subject to policy terms and conditions.