General Liability Insurance:​
Protect your business from bodily injury and property damage to third parties that arise out of your products and business operations.​

Professional Liability Insurance (E&O): ​
This coverage protects your exposure to breach of contracts, duty, trust and misuse of information that result in monetary losses to your clients. ​

Pollution Liability:​
Covers costs related to pollution, including clean-up and personal injury.​

Directors & Officers Liability (D&O): ​
This policy covers officers and executives that may be personally named in a lawsuit for wrongful acts resulting in monetary losses. ​

Covers lawsuits arising out of employees' work-related injuries that do not fall under the workers compensation statute with a monetary limit​.
This part covers Third Party over actions, loss of consortium, dual capacity, and consequential bodily injury.
Coverage includes legal defense fees, settlements, damages or judgements​.

Worker Injury Exclusion is often found in policies in NY where there are employee labor laws that pass all workplace liability on to project managers, general contractors and property owners.

Contractual limitations can limit the coverage that you have when you are obligated to a third party in a contract form that is specifically excluded in your policy.

Exclusions are often shown in the form of endorsements and can easily be missed.