General liability insurance protects the business and its owner(s) from financial loss when a customer sues for negligence, including suits brought when a customer slips and falls in the store and claims due to distributor negligence. General liability insurance also includes the policy carrier's responsibility to provide an attorney to represent the company in court and to pay the claim if one is awarded.

Inland Marine

Inland marine insurance is an insurance instrument designed to protect cargo while in transit, along with optional hand-held computer coverage. This type of insurance is typically purchased as a supplement to an existing insurance policy.

The origins inland marine policies supposedly originated with Lloyd's of London, a respected insurance provider during the 17th Century. Lloyd's initially insured ship cargo, holding policyholders responsible for whatever happened to their goods on land. Eventually, coverage expanded to include cargo after it had been offloaded, with inland marine insurance covering cargo in transit, storage, or holding, providing better coverage to policyholders. Today, inland marine insurance is often used by people who are nowhere near the ocean and do not intend to transport anything by ship.