An insurer may change the language or coverage of a policy at the time of contract renewal. Endorsements and riders are written provisions that supplement, delete or modify the provisions of the initial insurance contract. In most states, the insurer is required to send you a copy of the changes to your policy. It is important that you read all confirmations or drivers so that you understand how your policy has changed and whether the directive is still appropriate to meet your needs. Here are some of the other events that can cause damage normally excluded from the basic BOP: power outage (unless it causes the loss or damage of computers and electronic data); failure of computer hardware or software; Theft and burglary; most cases of pollution; and changes in humidity or temperature. If a tree falls from your neighbor`s garden and damages your home, you may be covered by your own household insurance. If your insurer tries to submit to your neighbor, it is your neighbor`s liability insurance that appeals for the property damage you have suffered. If your business rents or leases its premises, your rental agreement must describe your insurance obligations. If you are the only tenant, you may be responsible for the building`s insurance. You may be responsible for continuing to pay the rent, even if the building is destroyed. If a fire were to destroy the building, would the landlord or tenant be responsible for removing the debris? You may want to check your rental agreement with your insurance agent to make sure your non-life insurance covers your obligations. Dishonesty of staff – Burglary and theft insurance does not cover losses caused by employees or agents who commit dishonest acts. Employee Dishonesty Insurance offers this coverage.
Perishable Coverage – If you work in a business that includes inventory, inventory, or other materials that need to be maintained under controlled temperature or humidity conditions to be retained and that are susceptible to loss or damage, if the controlled temperature or humidity conditions change, you should probably add the confirmation of the perishable coverage to your BOP. The causes of loss covered are mechanical failures of your cooling or humidity control system and power outages due to conditions that are not controlled. The insurer covers the costs of real estate, which are spoiled by these causes. You should discuss with your broker what property is or is not covered by your policy, and whether you might need to purchase additional coverage for certain types of real estate excluded from BOP basic coverage. . . .