Last year during an annual policy review with one of our clients, we recommended that they purchase more than a General Liability policy.  We went over inventory coverage, tools, furniture and fixtures, floors, walls finishing, carpets, and light fixtures.  We also spoke about business income and extra expense coverage.  After we developed coverage amounts and obtained some quotes, we found the best option was a Business Owners Policy.  This policy packaged in all these coverages including General Liability with a lower price than a separate Commercial Property Policy.  We a achieved the clients goal of getting the proper coverage at an affordable rate.

Expect the unexpected.

A few weeks ago after a severe wind storm our client called us to report that the glass and sign at their store was damaged.  What they didn’t expect was that under the Business Owners Policy, there are throw in coverages for signs and glass.  The claim was covered and the best satisfaction was getting the call from our client thanking us for having the vision to see that this policy was needed.