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Building Coverage

Building Coverage

This is where the physical coverage of your policy starts and really defines how much insurance you need. Better known as Commercial Property Coverage, this insurance helps with so much more that just the building. This package is where you would find your basic items and more, that are covered in your business. When combining this with your General Liability policy, you are now mostly insured for your business and we call this a BOP or Business Owner Policy. If you don’t have a BOP for your complex operation you are not properly covered, in our opinion, and what exactly are you insured for?

 

What’s covered and for how much?

As you can see from the picture above, there’s a lot covered here and refer to other articles for some of these coverages. They are all found under building coverage that defined. Some items could be excluded for a number of reasons but most operations will have all of these business needs covered. There are standard limits to each individual coverage like , outdoor signs, appliances, furniture, equipment/tools, and so on. The limits can be changed based off of the clients needs. The bigger items like buildings, money, inventory and more is a set number that is chosen by the client. Making sure you are not over insured or under underinsured on your business property is where S2S Insurance Services can help you.

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