Professional liability
Often called “malpractice insurance” or “errors and omissions coverage,” these policies protect professionals such as accountants, lawyers, doctors, dentists, pharmacists, insurance brokers and agents, and consultants, for negligence that injures their clients.

Foreign-product liability
This coverage applies to losses that occur because of difficulties involved in distributing or acquiring items that are manufactured by foreign suppliers.

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

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.

Workers' compensation
Most employers are required by law to provide workers' compensation insurance through a state system operated by the Department of Labor & Industries. Worker comp pays an employee's medical expenses and provides some income replacement when a worker is injured on the job.

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.

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

Exclusive Provider Organization (EPO)
EPOs allow subscribers to visit any physician within the contracted network without prior approval or referrals. Services received outside the network may not be covered.

Indemnity
Indemnity plans are also referred to as “fee-for-service.” Unlike managed-care plans, indemnity plans allow absolute freedom in selecting physicians or medical facilities and permit self-referral to a specialist.

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.