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Extra expense insurance covers expenses you incur to avoid or minimize a shutdown of your business operations after your property has sustained a physical loss.
It covers costs that are over and above your normal expenses.
If you use movable property in your business, you should consider purchasing inland marine insurance.
Your agent or broker can advise you on the type of coverage that is right for you.
This coverage is sometimes called business interruption insurance.
While large businesses may have the financial wherewithal to absorb a big loss, small businesses do not.
One large loss may put a small company out of business.
You can safeguard your firm against thefts perpetrated by employees of money, securities, or other property by purchasing employee theft coverage.
Losses caused by theft (other than theft committed by employees), damage or destruction of money or securities can be insured under money and securities coverage.