As a dietician, you recommend a product for your client to use but forget that they have a soy allergy. They have a severe allergic reaction using the product and take legal action for the cost of medical fees and damages; your Errors and Omissions Insurance helps to cover the legal fees and medical costs.

You're a personal trainer and are working one on one with a local TV personality, Joseph. He wanted one more set at the end of the session. While they were working out your next client showed up early and distracted you from spotting Joseph. As such, their form suffered and Joseph injures himself. He accuses you of negligence and blames you for the injuries that resulted in him being unable to do any TV appearances for the next 2 months. Your Commercial General Liability would defend you in the lawsuit and pay for any damages awarded by the courts.

As a nutrition coach, you store a lot of sensitive, personal data and information about your clients. Unfortunately, your email account becomes compromised; affecting your clients and their data as well. Your Commercial Cyber Insurance helps to cover the costs of damages and a recovery team.