Generate a full detail guide demystifying business insurance for small business owners. The guide must explain complex topics simply. It should include clear explanations of: 1. General Liability Insurance. 2. Professional Liability (Errors & Omissions) Insurance. 3. Commercial Property Insurance. 4. Workers' Compensation. For each, explain what it covers and what kind of business typically needs it. Please include a strong disclaimer to consult with a licensed insurance broker.