Business Insurance Coverages

Discuss customer injuries, property damage and slip-and-fall claims. Review your activities, policy limits and exclusions with Jay.

Review your building, equipment, furniture and inventory, including values, insured causes of loss and deductibles.

Ask whether a businessowners policy can combine eligible property, liability and business income protection for your operation. Eligibility and terms vary.

Discuss lost income and continuing expenses while closed after a covered loss. Review waiting periods, covered causes and the restoration period.

Review mechanical or electrical failure of eligible coolers, HVAC, ovens and other equipment. Maintenance and ordinary wear are different from an insured breakdown.

Discuss employee injuries, staffing, job duties and payroll. Jay can review the workers’ compensation requirements and available terms for your Missouri or Kansas operation.

Review business-owned trucks, vans and trailers. Explain who drives, how vehicles are used and what equipment they carry.

Discuss liability when employees use their own cars or rented vehicles for business. Damage to those vehicles may require separate protection.

Discuss additional limits over eligible liability and auto policies. Confirm which underlying policies, limits and exclusions apply.

Review allegations of harassment, discrimination and wrongful termination. Ask about reporting conditions, exclusions and any third-party or wage-and-hour options.

Discuss data breaches, POS security, card skimming, online giving and incident response. Coverage depends on the events and expenses included in the policy.

Review employee theft and dishonesty involving money, inventory or other insured property. Check covered persons, acts and limits.

Discuss alcohol-service and sales exposures, including allegations involving over-serving or serving minors. Restaurants, grocery stores and convenience stores should describe how alcohol is sold or served.

Ask how fights, altercations, security staff and bouncer incidents are treated. Review exclusions, defense costs and sublimits rather than assuming general liability includes them.

Review tools, ladders and equipment at jobsites, in storage and in transit. Confirm ownership, scheduled items, valuation and theft conditions.

Discuss structures under construction or renovation, materials and work in progress. Confirm who insures the project and when protection begins and ends.

Ask about city-license, permit, bid and performance bond requirements. Bonds differ from insurance and can include reimbursement obligations.

Discuss possible mold, lead, fuel or chemical releases associated with your jobsites. The operations and policy selected determine the available protection.

Review design-build work, consulting and professional-service errors. General liability may not respond to these professional exposures.

Discuss allegations arising from board and leadership decisions. Review who is insured, reporting requirements, policy limits and exclusions.