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Outdoor Hazards & Your Commercial Insurance

Oct 09, 2015

General Articles

Outdoor Hazards & Your Commercial Insurance

Do you know if your Los Angeles, CA commercial insurance covers hazards to your outdoor equipment?

As a business owner, you know that everything important to the work you do can’t necessarily be stored inside your building. Do you ever wonder, though, if the items left outside are exposed? Your commercial property insurance should give you peace of mind, and we don't think you should have to worry about items stored outdoors or used offsite. If you’re wondering if you’re covered against hazards that affect items outside your office, refer to this Los Angeles, CA commercial insurance guide. Your business owner’s policy (BOP) might contain outdoor property coverage. The operative word here is might, so it’s important you connect with your insurance agent to understand exactly how much protection your existing coverage offers you. If you have invested money in a great outdoor sign, a fence, landscaping around your office, or outdoor furniture, you may want to consider additional coverages. Outdoor signage will protect your sign, for example. Outdoor property insurance coverage can help you cover the cost of replacing outdoor chairs, tables, lights, and heaters if they get damaged during a storm of stolen. This type of protection will also cover your landscaping, helping replace or repair it to its former glory if it’s damaged or vandalized. If the items you’re worried may not be covered outside your building are being transported off-site (e.g. equipment taken to a jobsite or event), talk to your agent about securing property-in-transit and off-premises coverage. Otherwise, that equipment getting damaged offsite could leave you picking up the whole tab for a repair or replacement! If you have other California commercial insurance questions that need answering, don’t hesitate to contact Fuller Insurance Agency. We have over a decade of experience serving Los Angeles and Long Beach business owners and are here to offer you the insight you need to best protect your company.
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