Business Owners Policy & Professional Liability. Enjoy peace of mind by protecting your business from lawsuits as well as damage to your office, business contents, files, equipment, property and employees.General liability and professional liability is designed to protect business owners and operators from a wide variety of liability exposures. Exposures could include liability arising from accidents, negligence, faulty materials sold by the insured, operations completed by the insured, and contractual liability.Your premium is based on your classification, type of business, product, service, years in business, revenues, payroll, existing coverage and claim history.A&F is a full service agency: Claims, issue certificates of insurance, process endorsement. Premium financing is available. Companies Rated by A.M. Best.