Sometimes coverage for a business or operation does not neatly fit into a commercial general liability policy or a professional liability policy. That’s why there are special liability policies. For instance, if you are setting up a short-term event, you will need a special policy that will protect you from any negligence arising from your limited engagement. Or due to the specifics of your business, you may need insurance to cover things that a commercial general liability policy will not, such as product liability insurance, cyber liability insurance, or environmental liability insurance.
However, like a commercial general liability policy, these special liability policies are still designed to cover you from any lawsuit based on a negligent act or omission.