"Business liability" refers to the legal responsibility or obligation that a business has to take accountability for any harm, damage, or losses it may cause to others, including individuals, property, or other businesses. Full definition
As earlier mentioned this coverage can be purchased as a standalone or added to your existing business automobile policy or general business liability policy. (generalliabilityinsure.com)
Some companies have started offering endorsements that include property and limited business liability coverage. (rmiia.org)