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.

Flood
Coverage for damage caused by floods is not included in ordinary homeowners and commercial policies, but must be added as an endorsement. Flood insurance, which also covers damage caused by mudslides, is available through a program run by the Federal Insurance Administration; contact your agent or call (800) 427-4661 for more information.

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.

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

Umbrella policy
Umbrella policies provide additional liability coverage after the limits of your underlying policy are reached.

Deregulation
Under Washington state law known as “use-and-file,” commercial property/casualty contracts negotiated between insurers and businesses may go into effect immediately. The policy itself can be filed for state review later.

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

Basic Hospital
Basic-hospital plans cover only in-hospital (inpatient) care, not other services. This benefit also may be limited to an approved or network facility. Hospitalization in a different facility may qualify for less coverage or none at all.

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.

Long-Term Disability (LTD)
Long-term-disability plans provide income for an individual who cannot work because of an illness, disease, or non-occupational injury. Most plans require that the individual be a full-time employee for at least one year before the disability coverage applies.