Workers' Compensation Insurance: Workers' compensation insurance is essential for helpers as it provides coverage for medical expenses, lost wages, and disability benefits if they are injured or become ill while performing their job duties. This coverage ensures that employees are fairly compensated for work-related injuries or illnesses and helps protect employers from potential lawsuits. General Liability Insurance: General liability insurance provides coverage for bodily injury and property damage that may occur while helpers are performing their duties. It protects against claims from clients, customers, or third parties who suffer injuries or property damage as a result of the helper's work. Professional Liability Insurance: Professional liability insurance, also known as errors and omissions (E&O) insurance, provides coverage for claims of negligence or errors in services provided by helpers. This coverage protects against legal fees, settlements, and damages if a client alleges that the helper's work caused financial harm or dissatisfaction. Business Property Insurance: Business property insurance safeguards the physical assets of the employer, including tools, equipment, and materials used by helpers. This coverage protects against damage or loss due to events such as fire, theft, vandalism, or natural disasters. Business Interruption Insurance: Business interruption insurance provides coverage for lost income and ongoing expenses if the employer is temporarily unable to operate due to a covered event, such as a fire, natural disaster, or other disruptive event. It helps cover fixed costs such as salaries, rent, utilities, and other expenses during the period of interruption. Commercial Auto Insurance: If helpers are required to use vehicles for business purposes, such as transportation or deliveries, commercial auto insurance is necessary. This coverage provides protection for liability, property damage, and injuries resulting from accidents involving company vehicles. Employment Practices Liability Insurance (EPLI): EPLI protects the employer against claims of employment-related misconduct, such as discrimination, harassment, wrongful termination, or wage disputes. This coverage is essential for mitigating the legal and financial risks associated with employee lawsuits. Directors and Officers Insurance (D&O): D&O insurance protects the personal assets of the company's directors, officers, and executives against claims of wrongful acts or management decisions. This coverage is particularly important for protecting leadership personnel from personal liability in lawsuits related to company decisions.