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Money stolen from you: by an employee, or by a scammer who tricks you into sending a payment (a fake invoice, or an email pretending to be your CEO).

Protects founders, executives and board members if they are sued over how they run the company (by investors, regulators or others). Often called D&O.

Claims by employees or job applicants: discrimination, harassment, or being fired unfairly. Often called EPL.

Only if you run a 401(k) or another employee benefit plan: covers claims that the plan was managed badly.

Costs if you are hacked or customer data leaks: investigating, notifying customers, ransom demands and claims against you.

If a customer says your product or service failed them and cost them money.

If an AI tool your company uses or sells gives a wrong or harmful result, leaks data, copies someone's work or injures someone, and you are blamed.

If someone other than an employee is hurt at your office, or you damage their property. Landlords and clients often ask for it.

Pays medical bills and lost wages if an employee is hurt at work. Required in most states once you have employees; the rules for owners vary.

A bond that a licensing board, court, customer or other party requires of you, promising you will do what you agreed: license and permit, contractor, bid, performance and similar bonds.

For companies that manage investment funds or other people's money: claims about how those funds or accounts are run.

For law firms and lawyers: claims that your legal work or advice was negligent, for example a missed deadline or a conflict of interest.

For companies that charge fees for financial or other professional services (payments, lending support, advice, processing): claims that an error or oversight in your work cost a customer money.

For insurance agencies and brokers: claims that you gave bad advice, missed a deadline or placed the wrong coverage for a client.

Only if you are a managing general agent, program administrator or have binding authority for insurers: the extra questions Admiral asks of MGAs.

For accounting, tax and bookkeeping firms: claims that your advice, filings or audit work was wrong and cost a client money.

For companies that put money into DeFi protocols or vaults (on-chain lending, trading or yield): losses if a protocol is hacked or fails.