A duty to defend clause in your liability policy means your insurance company must work out the details of your legal defense.
This policy can pay for operating expenses and lost revenue when a fire or other incident covered by your commercial property insurance forces your business to close.
Commercial auto insurance covers the cost of accidents involving vehicles owned by your tech company. It can help pay for vehicle repairs, medical expenses, lawsuits, and costs not covered by uninsured motorists.
If any incident covered by your general liability, employer's liability (part of workers’ compensation), or commercial auto insurance exceeds your policy limit, commercial umbrella insurance covers the extra costs.