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Most businesses need to purchase at least the following four types of insurance:

• Property Insurance
• Liability Insurance

• Business Vehicle Insurance
  
• Workers Compensation Insurance

Property insurance compensates you if the property you use in your business is lost or damaged as the result of various types of common “perils” such as fire or theft. Your liability insurance pays damages for which you are found liable, up to the policy limits, as well as attorneys' fees and other legal defense expenses. A business auto policy provides coverage for autos owned by a business. Workers comp insurance, as this coverage is generally called, pays for medical care and replaces a portion of lost wages for an employee who is injured in the course of employment, regardless of who was at fault for the injury.
Source iii.org