Commercial insurance policies run 300 to 500 pages. Very few people outside the insurance company ever read them. That includes the broker who sold you yours. Buried in those pages are conditions that decide whether your company survives a loss.
Book a 15-minute callA commercial policy is not one promise. It is a promise with conditions attached, and you agreed to every one of them on the day it was bound. If a single condition is not met at the moment of the loss, the insurer does not reduce the payment. There is no payment. No building, no equipment, and nothing for the income you lose while you rebuild.
Ask your broker whether you are covered and the answer will be yes. The answer is not the problem. The conditions attached to it are, and they are easy to miss.
In thirty years I have not met a single business owner whose broker walked them through these conditions.
My career has been spent on every side of this industry. A national insurance brokerage. Big Four accounting. The trust divisions of commercial banks.
The pattern did not change. The producers selling the policies had not read them. The buyers signing them had not read them either. The conditions surfaced only after the loss, at the point when the terms were no longer open to discussion and the cost fell entirely on the insured.
The reading is now done in advance, for a flat fee, on your side of the table.
A short call where I walk you through a demonstration of The Policy Review. If your situation is worth a closer look, I will inform you. If it is not, I will say so.
You send your policy and I review it. Two weeks later, we will review the findings.
You review the findings with your broker. I am happy to sit in on that meeting with you. Either way, the gaps get closed before the loss, not after.