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A sales contract can combine advice, implementation, lead generation and promises about results. Describe what the team actually delivers, how it travels to customers, what data it can access and whether it can change payment instructions before asking which forms fit.
Consider professional errors and omissions (E&O), general liability, hired and non-owned auto, cyber liability, and crime. Start with the coverages tied to your day-to-day operations, then use the situations and buying questions below to compare your options.
A customer relies on sales advice, implementation, forecasts, lead data or a sales deliverable.
Professional liability may address errors or omissions in services or advice. Ask the insurer which sales recommendations, implementation work and contract promises are within the proposed professional-services definition, and what exclusions apply.[1][2]
Which deliverables, recommendations, services and contract promises are described as insured professional services, and what exclusions apply?
Sales staff host demonstrations or perform work at customer premises.
General liability can address certain visitor bodily-injury and property-damage claims. Describe each customer-site activity and check how the proposed form treats it.[2][5]
Which demonstrations, installations, events and customer premises are included, and what exclusions or sublimits apply?
Employees use personal or rental vehicles for customer visits, events or deliveries.
NAIC says commercial auto policies may include hired and non-owned vehicles, including employee cars used for business; the wording and named insureds require confirmation.[2][5]
Which vehicles, drivers, purposes, states and entities are covered by the proposed auto terms, and what do employees’ personal policies address?
Sales staff export CRM data, record calls or access customer credentials and payment information.
FTC asks small businesses to review vendor risks, data, response and first- and third-party cyber terms. This guidance does not establish protection for a particular sales-data incident.[3][4]
Does the form address CRM exports, recordings, vendor systems, response, defense and interruption? Which conditions and exclusions apply?
Staff can redirect remittance details, initiate refunds or handle customer deposits.
Crime forms may address employee theft, but the material here does not establish response to fraudulent instructions or funds transfers. Ask which form, if any, addresses the exact scenario.[2]
Which form, if any, addresses the exact payment authority and fraud scenario, and what verification conditions, limits or exclusions apply?
Group each contract promise by the work behind it: advice, implementation, lead generation, software access, service levels or an outcome commitment. Send the actual descriptions and indemnity language to the broker and ask which professional-services definitions and exclusions apply. A contract obligation is not evidence that insurance covers it.[1][2]
Professional-liability wording depends on the services the form defines. Keep technology-service questions separate and ask the insurer which actual work is included.[2]
For each driver, list the vehicle owner, trip purpose, frequency and states. Ask which commercial-auto terms include those drivers and uses, and have employees check their personal policies separately.[2][5]
For customer-site work, describe who controls the site, what your staff handles and whether they install or repair equipment. Ask which premises/operations wording applies and whether any exclusions or limits affect that activity.[5][2]
Document customer records, call recordings, credentials, deposits and who can change supplier or remittance details. FTC guidance recommends assessing vendor risk and reviewing cyber-policy questions such as response and third-party claims; it does not prove payment fraud is covered.[3][4]
Separate unauthorized data access from a fraudulent payment instruction. Ask the insurer which forms address each scenario and what verification steps, exclusions and sublimits apply; do not assume commercial auto, general liability or cyber automatically responds.[2][3]
Do not assume general liability addresses financial loss from sales advice. Ask which proposed form covers your recommendations or deliverables and what exclusions apply; the wording decides the response.[1][2]
Read the Full AnswerNAIC says commercial auto policies may cover non-owned vehicles used for business, including employee-owned cars, but the actual policy wording and insureds matter.[2]
Read the Full AnswerNAIC descriptions of general liability, professional services, crime and auto categories.
FTC supplier and cyber-policy buyer questions.
FTC cyber first-party and third-party examples.
Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.
Updated 2026-09-28. Editorial Policy
Spot, which publishes this research, gets quotes from 50+ providers, picks the options that fit your coverage and budget, and manages renewals after you buy. The first consultation is free. Book a free consultation
