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? Utility Service Time Element Coverage? Extra Expense coverage?
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 under-insurance in case of a claim? If not, how will we establish that replacement cost?
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?
As a tenant, does your lease make you responsible for replacing glass windows of your leased space in the event they are damaged?
Does your property coverage include coverage in the event your food or wine should spoil?
Will my property insurance cover damage from flood waters? 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?
If, after a substantial covered Loss, Ordinances in my community require me to demolish the entire structure and rebuild my building, rather than repairing it...
Would my property policy cover the cost of rebuilding the undamaged portion? Would it cover the demolition cost of the undamaged portion?
If building codes require modification after a Covered Loss, would my property insurance cover sprinkler systems, elevators, ADA compliance, energy efficient upgrades?
Do we need separate General Liability coverage for catered events such as wedding parties, receptions, charity events, or festivals?
Do we need Liquor Liability coverage for those catered events where we will serve alcoholic beverages?
Does our General Liability coverage exclude Liquor Liability claims if our establishment sells, serves or assists in the purchase or use of alcoholic beverages?
If our General Liability coverage excludes Liquor Liability, are our activities of the type that we should assess the need to purchase Liquor Liability coverage?
If our General Liability coverage excludes Liquor Liability, can we expect to have to pay for injuries and damages caused by the actions of intoxicated persons?
Will our Umbrella or Excess Liability policy also include coverage that causes an extension of our General Liability coverage policy limits to a higher level for Liquor Liability claims?
Is purchasing Liquor Liability coverage compulsory under the law?
Can we assume that our General Liability coverage will cover injuries to someone injured on our premises due to an assault and battery?
Is our General Liability coverage limited to activities on our Premises?
Are all entities that we do business under listed as named insured on our General Liability policy?
Can we assume that if an employee of our subcontractor is injured on our premises, any resulting claim against us is covered under our General Liability policy?
How do we verify that subcontractors and vendors have proper Liability insurance coverage?
Are our employees running errands for our business with their own automobiles? If so, do we have Non-Owned Auto Liability coverage?
Do we run Motor Vehicle Reports on employees using their own autos for business?
Do we know if these employees have automobile Liability Coverage? If so, do we know how much?
Are we comfortable with our current Hired Non-Owned Auto liability limit? Should you buy the damage waiver offered by the Rental Company?
Should you use the coverage offered by your Credit Card Company? Should you purchase hired physical damage coverage from your Insurance Provider?
If we are renting a car out of state, will our current Texas Workers Comp cover our employees in those cars?
What about business or personal property left in a rental car?
What is an Umbrella or Excess Liability policy and why do we need it?
Do we sign contracts or Lease Agreements that require us to carry higher liability limits than we currently carry?
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?
Do our clients, or prospective clients, expect operations such as ours to have higher liability insurance limits than we currently have?
Do we need our Umbrella or Excess Liability policy to extend to territory outside of the U.S.?
If we have an Umbrella or Excess Liability policy, will its coverage extend to Additional Insured, Waiver of Subrogation of our primary liability policy?
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?
