Commercial Property Insurance

- Risk Assessment Tool -

Is your building insured for the cost to build it back with the same square footage and construction type?

Are you aware there is a substantial penalty applied to the loss if it is not? (Co-Insurance Penalty)

Does your policy include Replacement Cost coverage for both Building and Contents?

Are any contents located more than 1,000 feet from the insured premises? (Includeds salesperson samples)

Do you have Inland Marine insurance for all contents / equipment located or taken more than 1,000 feet from the insured premises?

Does your policy include Loss of Business Income or Loss of Rents Insurance?

Would it take longer than 3-6 months to get your business up and running in the event of a total loss?

Does your building insurance include Building Ordinance and Law coverage in the event you are forced to upgrade due to a city code?

Do you haul and or install materials or inventory that will be installed at a location away from the insured premises?

Do you provide service for contents that are in your care, custody and control that you do not own?

Are you aware that Flood and Earthquake coverage must be purchased or endorsed separately?

Do you need coverage for peak season inventory, spoilage coverage, mechanical breakdown, power failure, outdoor signs, electronic data processing equipment or coverage for new construction?

Do you know what your deductible is and how and when to file a claim?

Do you have a business perpetuation plan in place and funded?

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