The Definitive Guide to Business Insurance Coverage

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Use this guide to understand each type of coverage and take significant steps toward anticipating, and perhaps even reducing, your financial risk during business interruptions.


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While the various insurance products available in the market today are nearly limitless, there are a few common types of coverage that most businesses typically carry or at least consider. When it comes to large scale disasters and long-term business interruptions, these policies are also among the most misunderstood. By investing some time with your insurance professional and understanding each type of coverage explained in this guide, you can take significant steps toward reducing risk at your organization.

Every organization must carry insurance, but is your organization getting your money’s worth for the investment and ensuring the proper coverage? Given the increase in the frequency and severity of large-scale natural disasters coupled with greater customer demand, the criticality of maintaining your operations is more important than ever, regardless of the interruption.

Speak with your insurance professional today armed with insightful questions and knowledge of your options. Take the time to dive into the question, “How much coverage is enough?” Your provider may provide you with tools to help calculate the proper coverage given your gross annual sales and existing or anticipated expenses. Tools such as this may help create a solid strategy to protect your employees, customers, and your business as a whole.