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    • All Specialized Prop & Liability Topics
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Arcane Property Risks You Should Know About

September 17, 2017 by The Insurance 411Leave a Comment

Property Insurance Risks

A good insurance program will protect your business property from loss due to fire, theft, vandalism and more. But without certain important, overlooked and even somewhat arcane coverages, your property coverage could leave you short of the funds needed to rebuild and recover. Increased Cost of Construction Do you own your business premises? Any building...
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Filed Under: Essential Property and Liability Insurance   •  Property   •  The Basics

Understanding Your Terrorism Coverage

November 10, 2015 by The Insurance 411Leave a Comment

Terrorism

When you renewed your commercial property or business package policy, your insurer might have included a notice regarding terrorism insurance coverage. What’s this all about? Your policy might contain two types of terrorism endorsements, or policy additions that provide extra coverage. One would exclude coverage for terrorism-related losses if the federal Terrorism Risk Insurance Program...
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Filed Under: Loss Prevention   •  Property   •  Recommended Articles

Rented Premises: Why You Need Property Coverage

August 26, 2015 by The Insurance 411Leave a Comment

Rental Insurance

Generally, you buy property insurance to cover damage or loss to property. Your liability policy might provide some coverage…but probably not enough. In the world of residential real estate, landlords buy property insurance to cover damage to buildings they own. If you rent a home or apartment, your renter’s policy will cover your contents and...
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Filed Under: Essential Property and Liability Insurance   •  Property

The Insurance Formerly Known as Boiler and Machinery

July 7, 2015 by The Insurance 411Leave a Comment

equipment breakdown insurance

If you’ve been in business a while, you might have heard the phrase “boiler and machinery insurance.” However, today’s policies do much more than cover boilers and machinery, hence the name change. Read on to learn more about this valuable coverage. Insurers introduced boiler and machinery coverage in the mid-1800s to cover valuable steam-powered machinery...
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Filed Under: Equipment Breakdown Insurance   •  Property   •  The Basics

Getting to Know Your Property Policy

August 31, 2014 by The Insurance 411Leave a Comment

Property Insurance Policies

Understanding the who, what, when, where and how of your property policy can ensure you have the coverage you need, when you need it. Who Business property policies cover real estate and personal property owned by the “named insured.” The policy lists this person or entity on the declarations page, located near the front of...
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Filed Under: Essential Property and Liability Insurance   •  Property   •  The Basics

Using Carve-Outs to Customize Your Insurance Program

August 29, 2014 by The Insurance 411Leave a Comment

Carve-outs offer flexibility

Carve-outs can help organizations better manage their property and liability exposures by “carving out” specific risks and insuring them separately. The technique might also save money. As insurance prices continue to increase and coverage becomes more restrictive, business owners and CFOs are looking for alternative ways to manage their risks. Some are turning to carve-outs,...
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Filed Under: Essential Property and Liability Insurance   •  General and Auto Liability   •  Property

Why Empty Buildings Are Full of Risk

August 28, 2014 by The Insurance 411Leave a Comment

Empty Buildings Are Risky

Vacancies create a host of problems for owners besides lost income. Here’s a list of some problems to be aware of, and what you can do to mitigate them. Vandalism Empty buildings practically call out to vandals. Although your commercial property policy covers property damage due to vandalism, most policies severely limit coverage once a...
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Filed Under: Essential Property and Liability Insurance   •  Property

Debris Removal Insurance and Other Risks You Might Have Overlooked

July 9, 2014 by The Insurance 411Leave a Comment

Increased Cost of Construction and Debris Removal

A strong insurance program will protect your business property from loss due to fire, theft, vandalism and more. But without certain important coverages, your property coverage could leave you short of the funds needed to rebuild and recover. Increased Cost of Construction Do you own your business premises? Any building more than a few years...
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Filed Under: Essential Property and Liability Insurance   •  Property

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