What if I am selling a product that my insurance company doesn’t know anything about?

Generally speaking, if you sell a product under the business name stated on the policy, you are most likely covered in the event of a claim, even if the company was unaware of what you are selling.  They reserve the right, however, to go back to the policy inception and collect any additional premium that this product may have generated.  If your product is illegal (for example, a flower shop selling marijuana on the side) you are probably not covered.