Running a business is difficult enough - worrying about suffering a financial loss due to an employee having some kind of accident is more than you need. A Commercial Insurance Policy is designed to protect your business investment by minimizing your liability in the event of an accident or unexpected event. An employee could damage someone else's property; a customer could get injured on your property and incure medical bills. You need protection from lawsuits, natural disaster, or even theft. Commercial insurance combines property and liability coverage into one policy.