Please review the following risk questions to see if they apply to your operation.
- Do your property limits reflect current replacement costs or are they current market or appraised value (bank)?
- Are sub-contractor insurance certificates reviewed for both Workers Compensation and Completed Operations including after they leave the job? Are you an additional insured with a Hold Harmless agreement?
- Are snow plowing operations covered under both your auto and general liability policies?
- Do you have discrimination coverage for suits by tenants or prospective tenants?
- Are your property limits blanketed and are you subject to a coinsurance penalty at time of loss?
- Do you have a system to confirm that tenants carry their own personal/business liability?