Landscaper damages a customer’s shed while mowing their lawn. Enhance a basic policy with additional commercial liability insurance options that meet the specific needs of your business. Certificate of Liability Insurance (COI) How to Request Your general liability insurance can help cover the cost of the claim.Liability insurance business information. Liability insurance coverage refers to a broad range of insurance policies that can help protect your small business. Liability insurance is a part of the general insurance system of risk financing to protect