Without fail, the coverage needed by businesses in the insurance policy they purchased is not included in the policy. At the start of a business the owner must buy a type of insurance to cover it, generally this would be liability or property insurance. Unfortunately, in an effort to save money, too many business owners do not purchase adequate coverage or even a policy at all. However, it will wind up being their loss in the end when there is a claim uncovered by insurance. E&O Insurance