Buildings & Material
Locations, property, and fixtures inside all fall under variations of property coverage. Make sure everything from desks, employee tools, and the building you operate from is protected. Knowing a building is covered regardless of ownership, no matter if it is being rented or owned brings piece of mind.
Mechanical Breakdown
Your machines and point of sale systems are what keeps the lights on. If they are not working or incapable of producing. How does that look for your business? Can your employees learn how to use a different machine? How fast can you get the same system fixed or parts shipped in?
Business Income
In the event of a loss of your building. How are you going to keep your business running if your headquarters is down? Will retaining talent be an issue? Are you capped with an amount of time allowed to be down or dollar figure that can be paid out?