Annually, and any time the building or the contents change. Renovations, new equipment, higher inventory levels, and a new location all move the number. Two California pressures move it without you doing anything. Construction costs have risen sharply, which quietly puts a building out of compliance with its coinsurance clause. Code requirements also change, and a rebuild must meet current code rather than the code the building was built to, which is what ordinance or law coverage exists to fund.
Related FAQs
It depends on your goals and budget. We recommend you review the tradeoffs with us so there are no surprises at claim time.
Typically your business personal property and any improvements you paid for, since your landlord usually insures the building. We help confirm this against your lease.
It may help replace lost income and cover ongoing expenses while you recover from a covered loss.
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Talk to an advisor or request a quote. It takes about five minutes, with no commitment. Be insurance wise.
