Business liability insurance covers a range of business considerations:

• Third party liability - When your company or its employees cause damage or injury to a third party, your business can be held responsible. The risk with litigation is that it could end up costing your company a lot of money. Securing third party liability insurance will you cover the costs, up to the maximum amount the policy allows.
• Company vehicles - An accident that doesn't happen on the premises of your office doesn't mean that your company is off the hook. As company vehicles still count as your business' property and responsibility, the risk of a vehicular accident is very real for companies that require cars or trucks of their own. Business liability insurance will be able to address damages to others, but will not cover damages to company vehicles themselves without the addition of comprehensive vehicle insurance.
• Worker's compensation - It's every business' duty to provide a safe place to work. Therefore, if a worker gets injured on the job through no fault of their own, your business may be liable for their medical care, and potentially even more if the injury results in a permanent disability. Business liability insurance can make sure that your employees' needs are taken care of if such an incident arises.