Put quite simply, commercial insurance consists of one or more types of coverage designed to protect businesses, their owners and their employees. Many business insurance policies include basic coverages such as property, liability, crime, and commercial auto insurance, as well as other optional insurance, such as business interruption insurance, equipment breakdown insurance, cyber liability, data compromise, and workers compensation. Employee benefits such as dental, vision, disability and group life insurance also fall under commercial insurance, as do surety bonds which help ensure contractors stick to the terms of a construction contract and/or follow governmental rules and regulations, as well as protect against losses stemming from a court decision or employee theft.