Your business must avail of a general third party liability insurance to protect the business from claims of injury and death of a third party during the course of the business. It also covers: 1. Damage & destruction to the property of a third party. 2. Claims of harassment and discrimination. 3. The advertisements of your business may invade the privacy of a person (this affects his/her personal life), infringement of the 4. 4. copyrights/trademarks/patents of another business or defame a person (libel). All these claims for damages are settled by a general third party liability insurance.