Pollution You routinely work with hazardous materials including antifreeze, hydraulic fluids, gasoline, motor oil and other lubricants. Perhaps you accidentally flush oil or antifreeze into a drain. Your above-ground storage tanks may be ruptured by a vehicle that you operate, threatening a nearby property or waterway. It is important to have consistency and continuity in your insurance products and services, and ideally, you should strive to have your coverages provided in a package program, billed through one carrier. In addition to the obvious need for business continuation coverage to provide for reimbursement for the gross profit that is lost after a loss occurs, there are also business continuation exposures with respect to key employees.
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This is particularly important if you own and operate a family business in which a shut-down would be devastating to all family members that are part of the business. A business life program that provides for coverage on key employees can be converted into a significant employee benefit. As you evaluate your property exposures, don't forget to consider the business continuation risks surrounding your all-important human resources. If you would like a guide through the maze of business insurance, please E-mail your request for a coverage verification form and business insurance renewal checklist. This handy document should enable you to make an informed decision regarding your business insurance needs.