Let them do the checking. Extent of usual business coverage is transportation to and from work. Automobile might need to be declared as a business vehicle in order to maintain coverage. More extensive coverage for damage or loss to business inventory and equipment. Can include basis coverage for business liabilities, loss of earning, and errors and omissions.
Basic liability covers slip and fall, dog bites, etc.
More extensive coverage than basic liability. Can provide special liability coverage to protect against claims and damages that result from the rendering of services or sale or products. Covers cut-backs in business revenue while you recover. Can provide funding to meet cash flow obligations such as payroll and loan payments. Covers injury or loss to the client.