Business Insurance Restaurant Division Contact Us Employment Practices Workers Compensation Home Page Home PageCoopers Insurance Agency Header

Commercial property policies are very comprehensive but there are a number of things that are not covered by the standard policy. Coopers Insurance may be able to help fill these coverage gaps. Contact us before an incident happens so we can make sure you have the best coverage available.

• Off Premises Power Failure:
Your business may have to close for a day or two or longer due to a utility failure that happens away from your premises. This could be an electrical failure, disruption of water service, and/or a myriad of other things. We may be able to provide coverage for the income loss that results. This coverage sometimes has a waiting period of anywhere from 12 to 72 hours.

• Earthquakes:
Loss to your business due to an earthquake can be catastrophic. The standard property policy does not provide coverage for these types of claims. We have access to all the top rated carriers for a separate earthquake policy to cover you in the event of such a disaster. This is especially relevant in Southern California. Contact us for an earthquake quote.

• Building Ordinance or Law:
Continually changing building codes could add substantially to the cost of rebuilding in the event of a loss. New or improved sprinkler system requirements, wiring requirements, ADA requirements, are just a few examples. You may also need to demolish an undamaged portion of the building to comply. The standard property policy does not provide coverage for the additional costs associated with having to comply with an updated or new building code. Let Coopers Insurance review your policy with you to make sure you have the coverage you need.


Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive

View Mobile Version
30423 Canwood Street Ste 239 | Agoura Hills, CA 91301
PH: 818-706-2292 | FX: 818-706-1176 | Email:

Contact Us Facebook LinkedIn Google Plus