olving company vehicles. Cargo Insurance: Cargo insurance provides coverage for loss or damage to goods during transit or while being loaded or unloaded. This coverage is crucial for loading and unloading personnel who handle valuable or fragile items and helps protect against financial losses resulting from damaged or lost goods. Business Property Insurance: Business property insurance safeguards the physical assets of the employer, including loading and unloading equipment, tools, and materials. 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. 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.