Small business owners are at risk for certain situations like data breaches or business-related accidents, which is why many types of business liability coverages are offered. Some liability coverages, like commercial general liability, may already be included in a standard business insurance policy. But, there are other types of business liability insurance that you may want to consider, such as data breach liability insurance, employment practices liability insurance or errors and omissions insurance. Business liability coverage may pay help pay for things like legal expenses or medical bills related to a covered accident that may happen at your business.