- It protects board members and officers from legal expenses related to decisions made on behalf of the organization, such as mismanagement of funds or regulatory failures. [...] 
- It covers third-party property damage, medical bills from accidents, and damage from theft, vandalism, or weather events. 
- Most states require workers' compensation insurance for businesses with employees to cover workplace injuries. 
- It covers legal expenses related to claims of negligence or mistakes made while providing services. 
- You need general liability insurance, a business owner’s policy, and possibly workers’ compensation if you have employees. 



