Your premises and what is inside
Review buildings, business personal property, stock and improvements you are responsible for. Talk through valuation, deductibles and the events the policy covers, including any need for separate flood coverage.
Tools and equipment that travel
A standard premises policy may not follow equipment everywhere you take it. Inland marine coverage can address eligible mobile tools, equipment and property in transit, depending on the form.
The interruption matters too
If a covered event shuts down operations, lost income and extra expenses can become part of the recovery problem. Review waiting periods, limits, covered causes and how long the protection lasts.