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If someone is injured by tripping over your bag during an event you planned, they can bring a lawsuit against you. General liability can cover both the lawsuit and the medical expenses.
If you fail to have flowers delivered on time for the wedding you are planning, your clients can sue you to cover their cost. Professional liability can cover both the legal fees and potential damages of the claim.
Business Personal Property
If the property used for your business is damaged in a fire or stolen, you can be covered for its replacement.
Data Security/Cyber Liability
If your computer is hacked and your client's information is stolen, most states require that you notify each client in writing & supply credit monitoring. Cyber liability can cover the costs and guide you through the process.
Coverage is based on the terms, conditions, limitations and exclusions of your policy. Be sure to read your policy to verify your coverage.