Research
Business Coverage Data Report
Which coverage lines do business insurance programs actually carry? This report measures coverage-line prevalence across every industry program in our published catalog: which lines appear in nearly every program, which are industry-specific, and where dedicated guidance concentrates.
Data as of 2026-07-21. Current edition: Q3 2026. Every figure recomputes from the underlying dataset, so the report never goes stale.
By Cornerstone Staff, Financial Services State Licensing Specialists
Headline findings
8
industry programs in the coverage catalog
Cornerstone insurance program catalog
18
core coverage lines documented in depth
Cornerstone insurance program catalog
7 of 8
industry programs carry professional liability (e&o)
Cornerstone insurance program catalog
Coverage lines by industry prevalence
How many of the 8 industry programs in our catalog carry each coverage line. A line is listed only when it appears in at least 2 programs.
Programs carrying each line
- Professional liability (E&O) 7 of 8 industries
- Cyber liability 5 of 8 industries
- Employment practices liability (EPL) 5 of 8 industries
- General liability 5 of 8 industries
- Crime and employee dishonesty 4 of 8 industries
- Directors and officers (D&O) 3 of 8 industries
- Workers' compensation 3 of 8 industries
- Commercial property 2 of 8 industries
- Surety bonds 2 of 8 industries
How industry programs differ
Every industry starts from a different lead line, which is why an off-the-shelf package misfits regulated and specialized operators.
- Financial Services & Lenders: 5 core lines, led by Professional liability (E&O).
- Attorneys & Law Firms: 4 core lines, led by Lawyer Professional Liability (LPL).
- Technology & SaaS: 4 core lines, led by Tech E&O.
- Construction & Contracting: 5 core lines, led by General liability.
- Healthcare & Life Sciences: 4 core lines, led by Medical and allied-health professional liability.
- Professional Services: 4 core lines, led by Professional liability (E&O).
- Staffing & PEO Firms: 4 core lines, led by Workers' compensation.
- Real Estate & Property Management: 4 core lines, led by Real estate E&O.
Curated coverage and industry pairings
Where a coverage line carries enough industry-specific weight to earn its own dedicated guidance, we publish a curated pairing page. The distribution shows where the fit questions concentrate.
Dedicated pairing pages by coverage line
- Cyber Liability 3
- Errors & Omissions 2
- Workers' Compensation 2
- General Liability 1
Methodology and sourcing
Every figure is computed from our committed insurance program catalog, the same data that renders the coverage and industry pages on this site. A coverage line counts for an industry when the industry's published program includes it.
Rankings publish only when the catalog covers at least 5 industries, and a coverage line is ranked only when it appears in at least 2 industry programs. This report describes the programs we build and publish; it is not a market-wide survey and does not include client or quote data.