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  2. Primary Business Insurance Options covering UT Companies
  Critical Plans
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  Commercial Asset Protection: Protects physical locations—facilities, inventory, tools—from blaze, burglary, including environmental catastrophes.
  
  Employee Comp: Obligatory for the state companies, covering hospital costs in addition to unearned wages for job-related accidents .
  
  Corporate Auto Coverage: Mandatory applicable to company cars, including higher liability thresholds suggested covering fleets.
  
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  Domestic Marine Insurance: Covers instruments plus gear in shipment, critical for contractors plus craftsmen .
  
  Online Liability: Protects against electronic breaches—essential covering firms processing customer details.