Workers' compensation
Most employers are required by law to provide workers' compensation insurance through a state system operated by the Department of Labor & Industries. Worker comp pays an employee's medical expenses and provides some income replacement when a worker is injured on the job.

Dependent Property
This refers to a kind of business-interruption endorsement on a commercial policy that protects you from financial losses caused by problems somewhere other than your business. “Dependent property” is defined as property not owned, operated or controlled by you but on which you are dependent for normal business operations.

Employment practices
This kind of coverage will help defend against employment-related claims such as sexual harassment, age discrimination, or wrongful termination. Some policies offer legal assistance; others may pay both legal costs and damages.

Destroyed or damaged records
If your business records are destroyed or damaged by a covered peril, this insurance will compensate you for the inability to collect income and for the cost of reproducing the records.

Stand-Alone Dental
This plan type provides dental coverage but does not include any other coverage.

Fleet coverage
This is multi-vehicle coverage that applies to businesses that rely on a number of vehicles and need to insure them collectively.

Preferred Provider Organization (PPO)
PPOs are comparable to indemnity plans, although they require subscribers to choose their health-care providers and health-care facilities from a preferred-provider list. Because the preferred providers have agreed to the plan's requirements, including discounted fees, subscribers have a financial incentive to stay within the network.

Indemnity
Indemnity plans are also referred to as “fee-for-service.” Unlike managed-care plans, indemnity plans allow absolute freedom in selecting physicians or medical facilities and permit self-referral to a specialist.

Stand-Alone Prescription
This plan type provides prescription-drug coverage, which generally means the insured person can obtain prescription drugs at a set price of a few dollars, but does not include any other coverage.

Stand-Alone Life
This plan type provides life insurance but does not include any other coverage.