Insurance for commercial establishments from retail to wholesale, manufacturing to office, policies. These policies are generally set up as multi-peril package coverages. This coverage can protect a business from various property and liability exposures, such as the physical assets of business (nonliability) and the actions of owners or employees (liability). However, standard farm insurance DOES NOT cover flood damage; a separate policy can be purchased for that peril. Further, separate coverage for business income loss (due to a covered peril) and employee dishonesty can be purchased.