The restaurant cooler that fails overnight
A standard restaurant policy often does not automatically cover spoiled food, or the cost when a cooler, oven, or compressor breaks down.
Food spoilage and equipment breakdown are usually add-ons. Without them, a single bad night can cost a freezer full of product and days of business. We make sure these are on the table when we build your coverage.
The tools stolen from a contractor's truck
Many contractors assume their commercial auto policy covers the tools inside the van. It usually does not. Auto covers the vehicle, not the equipment in it.
Tools and equipment coverage, also called inland marine, fills that gap, on the job and in transit. It is one of the most common and most overlooked needs in the trades.
The homeowners policy on a rented house
Landlords often leave a homeowners policy on a property after they move out and rent it. If a claim happens, the carrier can deny it, because the home is no longer owner-occupied.
A rental needs a landlord or dwelling fire policy, and many owners also skip loss of rents, which replaces the income while the property is repaired. We check the policy form first, before anything goes wrong.
How to find your gaps before a claim does
The pattern in all of these is the same: a policy that was never fully explained, often in a language the owner does not think in.
Ask us for a free review. We will walk through what you have, in English or Vietnamese, and point out the gaps in plain language.
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