Consult with your insurance broker for additional information on these and other common types of commercial insurance. More detailed explanations are also available at www.insurancebuzzer .com operated by Scott Simmonds of Insurance Consultants of Maine.

Workers' compensation: Provides medical care and compensation to injured workers on a no-fault basis. Required by law in most states.

General liability: Protects against negligence resulting in bodily injury or property damage.

Umbrella liability: Provides additional liability coverage beyond the general liability policy.

Builder's risk: Covers property while under construction. Protects against damage resulting from theft, fire, vandalism, wind, hail, and other accidental loss or damage to the property.

Inland marine: Covers goods in transit as well as jobsite equipment such as forklifts and bulldozers.

Errors and omissions/ professional liability: Covers economic loss resulting from errors or omissions during design or construction.

Employment practices liability: Covers legal action over employment relationships such as discrimination, wrongful termination, and harassment.