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Do you know if these key areas are adequately covered?<\/strong><\/p>\n Property coverage<\/p>\n<\/li>\n Liability<\/p>\n<\/li>\n Business interruption<\/p>\n<\/li>\n<\/ul>\n PROPERTY COVERAGE<\/strong><\/p>\n Property coverage is often divided into two parts in a business policy:<\/p>\n Fixed Property<\/strong>\u00a0(buildings, fixtures, etc.)<\/p>\n Contents<\/strong>\u00a0(equipment, inventory, etc.)<\/p>\n or it can be a\u00a0combined single limit<\/strong>.<\/p>\n The ways that your property can be covered are:<\/p>\n “All Risk” or “Specified Peril.”<\/p>\n LIABILITY COVERAGE<\/strong><\/p>\n Liability coverage generally protects you from claims that arise out of harm your business (including employees) cause another.<\/p>\n Key questions:<\/strong><\/p>\n Do you operate off-site?<\/p>\n<\/li>\n Serve alcoholic beverages at functions?<\/p>\n<\/li>\n Sell products that could cause harm?<\/p>\n<\/li>\n Do you or your employees operate personal vehicles at anytime in the course of doing business?<\/p>\n<\/li>\n<\/ul>\n BUSINESS INTERRUPTION<\/strong><\/p>\n What happens if your business is shut down? Who will pay the bills? Will you be able to resume when everything is back to normal?<\/p>\n\n
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