[Finny61]

You have a commercial business then you need commercial insurance. I don't know all the details of what your business is involved in but typically a CGL policy supplemented with E&O is best. I say E&O because if you are an engineer and are involved in architectural designs then exposure exists. It's called Professional Liability and a traditional CGL policy will exclude that aspect of your operation. The only time when that exposure is suppressed is when you have a technical-oriented superior party who signs off on your work however that may not take away the need for E&O but it definitely reduces that need. Really you should talk to an insurance rep somewhere.