Do we have adequate limits to replace our building or contents if we suffer a loss?
Have we calculated replacement cost of our building, to avoid being penalized for underinsurance in case of a claim? If not, how will we establish that replacement cost?
Do we know if our Commercial Property insurance is written with a Risk Purchasing Group? Do I understand the shortcomings of a Risk Purchasing Group, compared to Conventional Insurance?
Hurricane Season comes every year - Are we subject to a separate wind deductible or early cancellation penalties?
What are the risks of having windstorm coverage that expires during hurricane season? Should we consider buying flood insurance?
Do we need to insure Outdoor Property? Signs. Fences. Carports. Ancillary Buildings. If we have others property stored on our premises, is it covered under our policy?
What about coverage for Mechanical Breakdowns, Backed-Up Drains, Sewer Lines, Law and Ordinance, Business Income, or Lost Rents?
Is our building considered partially or totally vacant? If so, what are the financial consequences?
Will my property insurance cover damage from flood water? What does flood insurance cover? Do I have to buy flood insurance on my commercial property?
How do I know what my risk is of being flooded? Where can I buy flood insurance? How much flood coverage can I get?
If I purchase flood insurance now, when will I actually be covered?
How do we calculate the amount of business income coverage needed? Do we need coverage for ordinary payroll?
What are dependent properties? Do we need coverage for those?
What about: Waiting Period? Extended Period of Indemnity? Civil Authority Coverage?
What about: Utility Service Time Element Coverage or Extra Expense coverage?
What is an Umbrella or Excess Liability policy and why do we need it?
Do we have operations that, by their nature, have an amount of risk that could generate a larger loss than our current liability insurance would cover?
Is our Umbrellas or Excess Liability policy pay on behalf of or reimbursement basis?
Does our Umbrella or Excess Liability policy term run concurrent with our primary Liability policy?