Workers' Compensation Insurance: While helpers may not perform high-risk tasks, workers' compensation insurance may still be necessary to cover injuries or illnesses that occur while performing job duties. This coverage provides medical benefits and wage replacement to employees who are injured or become ill on the job. General Liability Insurance: General liability insurance protects the employer against claims of bodily injury or property damage that occur on the business premises. Even if helpers primarily work off-site, this coverage can still be important in case accidents happen while they are representing the company. Professional Liability Insurance: Helpers who provide specialized services, such as home cleaning, maintenance, or caregiving, may benefit from professional liability insurance. This coverage protects against claims of negligence or errors in their work that result in financial loss or damage to clients. 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. Commercial Auto Insurance: If helpers are required to use vehicles for business purposes, such as transporting equipment or traveling to client locations, commercial auto insurance is necessary. This coverage provides protection for liability, property damage, and injuries resulting from accidents involving company vehicles. 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 rent, utilities, salaries, and other fixed costs during the period of interruption. 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.